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SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

12 weeks to go Try starting a notebook to record details

This will depend on future investment performance

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED ON IT

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

Our Mortgage Calculator will allow you to see how much you can borrow and the cost of your monthly repayments

A capped rate mortgage is very similar to a fixed except that if the variable rate drops below the capped rate, the borrower will make payments based on the lower variable rate

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed

This protects the lender in case you do not repay the loan and your home has to be repossessed

Set your price range and when you would ideally wish to move

Again, if you have any concerns about this, your solicitor will be able to advise you

Lenders are constantly providing new ways for borrowers to save money if they switch their mortgage from their existing lender to a new one

This can lead to an individual paying interest on a mortgage for in excess of 25 years, which is generally an unnecessary expense

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to

Poor Credit & Loan Advice

Frequently they can be added to the mortgage hence the fee does not become an ‘out of pocket’ expense

This can be of great advantage in determining outline information before you go to the time and expense of having a survey and local searches made

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

So we know our specialist advisers can provide you with the mortgage that best suits your needs

These are known as regulated loans

Possibility of losing out should interest rates fall below your agreed rate

Other factors may well be involved

Below is a quick and easy guide to personal loans

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Individuals on tight budgets expecting wage increases over the first few years of the mortgage