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Its purpose is to verify and record legal ownership of the property and to record any securities (mortgages) or conditions adversely affecting the property

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

Plan and think ahead

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

How much do these policies cost? Expect to pay around £5 for every £100 of your mortgage bill

g Loans for holidays may be restricted to a 12 or 24 month term)

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

Put the owner on the spot and see what reaction you get

Advantages: The fixed rate provides the security of knowing the exact monthly cost of your loan for a set period

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

See FAQs for more details

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Lenders will also use credit reference agencies to obtain information about you