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OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

To obtain a mortgage in principle you will need go through the same motions as applying for an actual mortgage

Should your lender waver or reduce the redemption fee then it is likely that it would be on condition of keeping your business with them

Noise abatement orders

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

Borrowers with new loans only get the interest paid after waiting for nine months

There can be a shortfall in the fund within your investment meaning the cost of your interest only mortgage may increase over the term or alternatively you may be left with an extra sum of money to find at the end of the loan

You can choose cover according to your needs

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

Most mortgage schemes, in return for offering you a lower initial rate, will require you to stay with that scheme at least for the period of the Discount, Fix or Cap, and often longer

This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser

Preliminary Observations Ask about the cost of council tax and utilities with the seller

Mortgage in principle A mortgage in principle is a conditional offer made by the mortgage lender to confirm that they will in principle give you the loan you have discussed, provided the information you have given is correct

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

Disadvantages: Unexpected increases in payments at term end

Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

This type of mortgage is often taken out in conjunction with other offers such as cashbacks

This tends to be between £25 - £50 and may be avoided if enough objections were made

In this, the seller agrees to a period during which they promise not to enter an agreement with anybody else

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

As a result a lender may restrict the amount they are prepared to advance or place conditions on the advance

where the loan is not much less than the value of the property, it is common practice for the lender to take out a form of ‘insurance’ to protect against some or all of the losses incurred if the property needs to be taken into possession because of serious arrears

Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

This is usually linked to the amount of cashback provided

It should also be noted that whilst a Maxi has a single investment manager for all three elements the Mini ISAs will have an individual manager per element therein

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