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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

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

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

Once the ruling has taken place it will be recorded against the persons credit history and will appear every time a credit search is done for the next seven years

Generally anything between 1 and 25 year fixed rates are available

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

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

This protects the lender in case you do not repay the loan and your home has to be repossessed

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

How we can Help Obviously prior to making any decisions comparisons from other providers should be obtained

Again, if you have any concerns about this, your solicitor will be able to advise you

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

However it is not necessarily the case that two lending institutions that have the same multiples available will lend the same amount of money to the same person

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Charges can be significant

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

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