Better mortgage and loan deals in the uk

buy to let, quick mortgages uk

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Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all

Ability to benefit from rate cuts as they occur

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

They are also generally linked to variable rates and so reductions in your mortgage payments in the early years may not be possible with this type of product

Location, location, location What local amenities are there? What are the local schools like? - A good school catchment area may effect property value

This means that all bank rates cuts are automatically passed on to the borrower

As a tip, note that in the UK you can only drive up to a 3 tonne vehicle before you need an HGV license

How we can Help Obviously prior to making any decisions comparisons from other providers should be obtained

Most pension plans have the option at maturity to withdraw a percentage of the fund as tax-free cash

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

The date and actual time of day of completion is quite specific and relies absolutely on the transfer of money

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

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

Check this out with your solicitor or lender

These are often referred to as credit scoring facilities

A booking fee is paid to reserve funds on a mortgage product that has limited funds available e

You never know, it could be a deciding factor involved in your decision to purchase or not

The opportunity to take payment holidays without incurring large penalties

You may not get a straight answer, but at least the owner and agent will be aware that you know the score

buy to let - quick mortgages uk