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

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

At anytime of the day or night

This will vary between lenders and products

This will prove handy at the time of making an offer

The initial pay rate would therefore be 3

Location : Normally an agent will ask for a number of areas Do you need finance? If not how are you financing the purchase? Is it dependant on selling a property? If you have registered with an agent and your not getting any details

Suitability: An endowment policy is the most suitable option in a number of circumstances the most common being those identified below: You are a higher rate taxpayer and have utilised all your annual ISA allowance

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

In England and Wales a survey is normally made after the offer has been accept subject to contract

Current Account Mortgage (CAM)

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

There are limits applied to all contributions

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

The earlier you contact them, the more sympathetic they are likely to be

A fixed interest rate will stay the same throughout the term of your loan, regardless of any changes in the bank base rate

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

If the variable rate rose to say, 6%, then the rate payable would rise to 4

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

Exposure to interest rate rises

Portable Mortgages Some mortgage products are portable (subject to the lender’s policy), which means if you move home you may be able to transfer your existing mortgage onto the new mortgage for your new home if you stay with the same lender.

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

This is covered above

Making an offer in its self is a simple process, but getting the price you want or simply securing your ideal home may require a bit more determination and skill on your behalf

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