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The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

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However, in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

There can be a shortfall in the fund within your investment meaning the cost of your interest only mortgage may increase over the term or alternatively you may be left with an extra sum of money to find at the end of the loan

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Preliminary Observations Ask about the cost of council tax and utilities with the seller

Higher rate taxpayers may benefit from this option

5 to 3 times joint income

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

Just Mortgages UK will explain the many schemes available and will help you to find the most suitable option for your circumstances

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

Arriving at the property Before knocking, take a few moments to observe your first impressions

Fixed Rate Mortgage

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

This is not an obligation to purchase the property

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

a) Inform the vendor/agent about the dilemma to see if an agreement can be made regarding a reduction in the sale price

It provides no benefit to you, it is for the lenders protection only

In many cases, lenders offer different rates depending on the method by which you apply

Whereas, on a mortgage where the interest is being calculated on a daily basis, any over-payment reduces the mortgage balance immediately hence the borrower will be charged less interest from the next day

For example, setting the price range on your next home

However should rates decrease the borrower will benefit from lower payments

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting