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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

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees

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

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

The cost of the survey is usually between £150 and £300 and provides a more in-depth inspection of a property

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

Compulsory purchase orders

Read all the details on the specification sheet

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

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Before making an advance, your mortgage lender will require a valuation report as a minimum

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

the mortgage has to be held for a number of years before the lender breaks into profit

You should never assume that because a lender is prepared to agree a mortgage on the property that the purchase price is reasonable or there is nothing wrong with the property itself

All mortgage lenders require an official search to be carried out

Generally, secured loans are much easier to obtain than unsecured loans

Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

YOU CAN APPLY FOR A LOAN WITHOUT LEAVING THIS SITE! the facility to apply online for your personal loan

Legal Fees It is necessary to have a solicitor or licensed conveyancer to act on behalf of the mortgage applicant and the lender in the house purchase or remortgage transaction

The fixed payments are based on the amount of the loan together with the mortgage term and are designed so that, at maturity, the amount invested and earnings are sufficient to pay off the mortgage

Offers are invited above the stated price

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

You do not mind taking some degree of financial risk

Proposed road works within 200 meters of the property

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

Capped Rate Mortgage

The second influence on the amount you can borrow is your current level of income

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