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It is likely that the first payment will be double the normal monthly payment due to the requirement to pay a month in arrears by most lenders

We are completely independent and have access to every lender and product on the market

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

Investment managers may only be changed on an annual basis

Although directly related to interest rates it can be slightly more expensive than the interest only options, even allowing for the investment vehicle payments

If added to the loan then interest is charged over the duration of the loan

Disadvantages: Holders of a Mini individual savings accounts cannot take out a Maxi, and vice versa

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

Suitability: The repayment mortgage option is suitable in a number of circumstances the most common being those identified below: You do not like to expose yourself to too many financial risks

We are experts in finding mortgages and loans for people with a problem, or poor credit history

- Are school catchment areas, commuting or environment an issue? Contact a solicitor to access their quality of service

Searches - what they should highlight Your solicitor will carry out local searches to ensure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden, any compulsory purchase orders attached to it, or any local land charges adjacent to the property you are buying

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

Receive replies to questions raised and reports to you with the contract for signing

When registration is complete, the title deed to your lender for safekeeping

It is a basic inspection undertaken by a valuer on behalf of the lender for the purpose of determine whether a property is a sound investment on their behalf

Your mortgage lender will insist on a property survey before approving your mortgage

Avoidance of early redemption penalties

A number of these flexible mortgages may also offer the ability to operate your mortgage account as a bank account with the option to make withdrawals in certain circumstances

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