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In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

You can also seek advice from a voluntary organisation such as The Citizens Advice Bureau

Ideally suited to the self-employed Individual Savings Accounts (ISA) Advice The Basics: Introduced in April 1999 individual savings accounts were designed to replace Personal Equity Plans

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

In return for an annual or monthly premium the insurance company will cover the cost of replacing or repairing an item that is lost, stolen or damaged

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

4% off for 1 year

All mortgage lenders require a survey, some more thorough and detailed than others

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

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

You have an offer on your property - The further into the processes of selling your home, the better

They are also useful for larger amounts or where the applicant requires a longer repayment period

The amount borrowed is subject to an interest charge, which will be quoted as a percentage

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

This tends to be between £25 - £50 and may be avoided if enough objections were made

The period an Early Redemption Charge applies can vary

Cashback Mortgages

Normally a lender will require a non-refundable booking fee in advance to reserve this option

It is normal practice to specify in an offer exactly what moveables you want to ensure that these are included in the sale and that there is no room for miss interpretation

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

Nonetheless millions of borrowers have one or more endowment policy and as a rule of thumb these should not be cashed-in early and certainly not before seeking advice from a suitably qualified financial adviser

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

a £47,500 mortgage on a purchase price / valuation of £50,000 would result in a £750 charge on a typical MIG charge of 7