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Further fees such as arrangement fees are also frequently experienced with this type of rate

The borrower also takes out at the same time, an alternative ‘repayment vehicle’ (method of paying off the mortgage) such as an ISA, pension plan or endowment policy

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

Buildings survey Also known as a structural survey

Noise abatement orders

It is normal for lenders to check that any policy arranged is adequate and a fee will sometimes be levied to check the policy, if the borrowers take a policy other than the one sold or recommended by the lender

5%

Particularly furnishings and fittings,

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

Unfortunately not all estate agents are ethical in this area

We specialise in helping people who find it difficult to obtain a mortgage or loan

Base Rate Tracker Mortgages

The redemption fee payable is often up to six times you currently monthly repayments

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

Unit Linked – Once again investors funds are pooled and then used to purchase units in stock market linked investments

It may be the case that taking out a new loan with another lender offering better rates and terms is better than staying with your existing lender even if the redemption fee is wavered

Read all the details on the specification sheet

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

The second influence on the amount you can borrow is your current level of income

The Lender offers a discount on the Standard Variable Rate (SVR) for a specific period of time

The amounts can range from a flat fee e

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available

Before the exchange of contracts, you will have to agree on a date for completion of purchase

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

The deed of transfer is prepared and approved and if the buyer has raised finance a mortgage deed is prepared

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances

Most insurance companies will have extended buildings cover options which are well worth considering

What limitations apply to your current mortgage rate

Offers & Missives When you make an offer for a property you are only offering for the bricks, mortar and ground and the non-moveables