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The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

the mortgage has to be held for a number of years before the lender breaks into profit

In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

At the end of the term, therefore, you will need to repay the capital

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

If you are not happy with the answer, investigate further or walk away

This will vary between lenders and products

Larger borrowings

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

As a consequence of not being ‘locked-in’, the rate offered on these schemes will usually not be as competitive as for mortgages with redemption penalties, making them most suitable for those who are likely to keep track of current rates and wish to remortgage quickly if they find a better rate, or those who may have to repay their loan in the first few years

How much do these policies cost? Expect to pay around £5 for every £100 of your mortgage bill

Once the written negotiations (missives) have been completed, your solicitor will obtain the Title Deeds to ensure the seller is the genuine owner and check with the local authority on a range of matters (searches) to make sure you understand how or whether your property is affected by rights of way, restrictions of use and so on

damp and timber reports, planning consents for alterations and extensions

Base Rate Tracker Mortgages

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property