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What limitations apply to your current mortgage rate

the mortgage balance minus the positive balance held in the current account

With discount mortgages borrowers need to watch out for ‘payment shock’

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

This may reveal other factors that will not appear on any formal search

It is important to note that comment within the report is limited to those areas that are considered accessible at inspection

At the very least a mobile phone

Be precise when filling out the registration forms

It may be the case that taking out a new loan with another lender offering better rates and terms is better than staying with your existing lender even if the redemption fee is wavered

You are not looking for a guarantee of repayment at the end of the mortgage term

There are many different types of mortgages and there will be one out there that best suits you

Poor Credit & Loan Advice

We recommend taking a look at homecheck

Larger borrowings

Sometimes capped mortgages have a level below which interest rates cannot fall

Popular in the late eighties and the nineties an endowment policy is a combination of two basic elements, namely a savings plan and a life assurance policy

Unfortunately not all estate agents are ethical in this area

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

There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances

This means that the lender can claim part or all of its ‘losses’ incurred repossessing the property from the insurance company providing the MIG cover

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

Bridging Loan A bridging loan is a sum of money borrowed for a limited period of time to enable you to buy a new property before selling your old one. Interest rates charged tend to be higher than normal and a bridging loan shouldn’t be taken out lightly.

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

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured