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It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

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

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

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

It is worth noting that the average property purchase price in the UK has now hit over £100,000

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

See below for a quick guide to secured loans

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

Noise abatement orders

This can be of great advantage in determining outline information before you go to the time and expense of having a survey and local searches made

Offers & Missives When you make an offer for a property you are only offering for the bricks, mortar and ground and the non-moveables

This is known as an Adverse Valuation and may occur due to any number of factors, but in most cases it is connected with the condition of the property

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

Switching between provider can only be completed on an annual basis and penalties may be incurred

This may have the effect of reducing the length of time it takes to repay your mortgage

However, try to include as much as possible in the negotiations

At anytime of the day or night

Capped Rate 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

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

It is normal practice to specify in an offer exactly what moveables you want to ensure that these are included in the sale and that there is no room for miss interpretation

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

OTHER TERMINOLOGY Adverse Credit If a borrower has a history of poor credit usage then this is described as Adverse Credit

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster