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There is potential for higher returns than endowments

Whereas, on a mortgage where the interest is being calculated on a daily basis, any over-payment reduces the mortgage balance immediately hence the borrower will be charged less interest from the next day

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

Pay particular attention to buildings insurance

Typically as a first time buyer you may have less deposit at your disposal and may be seeking cheaper mortgage rates in the earlier years

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

If a redemption fee does apply, all is not lost

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee

Endowment ISA Plan Pension Endowment The most common type of interest only mortgage which also provides life assurance cover and a fixed payment for investment

Other factors may well be involved

Listed below are examples of some of the best deals around

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

This will prove handy at the time of making an offer