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It is probably more suited to you if you do not mind this uncertainty and your budget can absorb an increase in interest rates or if you think rates will go down during the discounted period

This means that a mortgage with, for example, a discount to 31st January 2006 will have a redemption charge to either the same date or a date prior to this

In return you usually agree to pay the variable rate charged by the bank or building society, for a specified term

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

Personal Possessions (including cash) on an all risk basis, in and outside the home

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

The repayment term available may depend on the purpose for which you require the loan, and may be restricted accordingly (e

Loans secured against property that is already mortgaged are known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges

No buyer should rely solely on the information provided by a mortgage valuation especially when purchasing a large or old property

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

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

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

Charges can be significant

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)

Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

They are more expensive than the lenders valuation