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Buy to Let Mortgages

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

Suitability: A pension policy linked mortgage is the most suitable option in a number of circumstances the most common being those identified below: This option is only really suitable for a small minority of people

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

Buyers should also be aware that they are responsible for the insurance of the property after the exchange of contracts

DISADVANTAGES If the proceeds of the repayment vehicle do not achieve the amount expected, then there will be a shortfall

Save £s on your buildings and home contents insurance

Sometimes it will match the period of the discount/fix but often it can go beyond the benefit period e

All mortgage lenders require an official search to be carried out

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

After completion, the buyer must pay stamp duty (if applicable) and must be registered as new owner with the Land Registry together with the details of any mortgage lender

For a borrower wanting one home for their finances this is an attractive option

Usually calculated on a daily basis and added to the loan either monthly, quarterly or annually

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

The cover and cost does vary between lenders and you should check what their policy includes, and just as importantly, what it excludes

When lenders quote their APRs they will state whether these are typical or whether they are set at one rate for all successful applicants, regardless of the risk they present

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

You will be kept up-to-date on the progress of your application by e-mail

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

It is a basic inspection undertaken by a valuer on behalf of the lender for the purpose of determine whether a property is a sound investment on their behalf

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

Most agents are pretty determined in their approach and will be interested in selling you more than a property

There are many different types of mortgages and there will be one out there that best suits you

Anywhere between 1% and 12% cashback has been available

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

At least you then have the information regarding how the seller would rather proceed