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However it is possible to speed up the process by arranging a personal search

The money may only be drawn from a pension policy when the policyholder reaches retirement age

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

The key thing is to talk with your lender

Payment is either up front, or added to the overall loan

This may be due to a number of factors, but mainly occurs due to the condition of the property

a first-come, first-served fixed rate

Personal loans are repayable monthly

Absolute title Having absolute title on a property means that you have full rights and ownership relating to the property

Agricultural Covenant A planning covenant that allows the construction of a residential dwelling provided it is to be occupied by a person employed or associated with working on the land. Properties such as this tend to attract a lower value, as they can only be sold to another person in similar circumstance unless the covenant is lifted. Annual bonus A bonus paid annually on an endowment mortgage which is dependent on the performance of the investment fund you are using to repay your mortgage.

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

This means that all bank rates cuts are automatically passed on to the borrower

Investment managers may only be changed on an annual basis

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

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

Some lenders will offer even larger cashbacks if you agree to pay a premium over the variable rate

Any changes in the Bank of England base rate will be directly reflected in the monthly mortgage payments

In the past some lenders have made their insurance compulsory with some very competitive mortgage products although this is less common now

Whereas in Scotland, the survey is completed before making a formal offer