non status, secured loan uk

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If you are unsure, talk to local estate agents and solicitors

5% on a normal lending limit of 75% loan to value

If you completed our application form, it will be passed to your chosen provider in order that they may process it

Gregory Pennington Bains & Ernst STEP 3 - HOW AM I PROTECTED? Personal loans are governed by the Consumer Credit Act 1974

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

Compulsory purchase orders

Obtaining quotes for conveyancing is simple

It acts as a form of insurance for the lender not the borrower

They provide a detailed analysis of your financial position

Some plans are tax-efficient

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

Individuals utilising short-term finance arrangements to provide their deposit

Flexible mortgage A flexible mortgage may enable the borrower to pay off all or part of their mortgage without paying a penalty

The money may only be drawn from a pension policy when the policyholder reaches retirement age

APR may vary

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

In return for an annual or monthly premium the insurance company will cover the cost of replacing or repairing an item that is lost, stolen or damaged

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

For example; It may be that the property is located on the local pub route and returning merry singers (or worse) could end up becoming a nuisance

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

All lenders base their mortgage range around their variable rate of interest

It is important to note that this is not an official search

This may be an expensive choice, as in the vast majority of cases Just are able to significantly reduce your mortgage rate, although it is of course imperative to consider the potential cost of any redemption penalties on your existing mortgage

In addition lenders frequently apply an Early Redemption Charge (ERC) for fixed rate mortgages

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

The amount available usually ranges from £500 to £25,000 over a term of 6 months to 10 years

Save £s on your buildings and home contents insurance

The cover and cost does vary between lenders and you should check what their policy includes, and just as importantly, what it excludes