flexible, uk home loan

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There are two basic types of endowment policy – the with profits version and the unit linked version

Advantages: Generally, the rate charged will be lower than the variable rate applicable under a standard mortgage

Advice on Affording a Mortgage

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

How long does your present fixed, discounted or capped rate last for

More detailed reports are also available for a small fee

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

An investor may only hold one of each Mini in any tax year

Most recent mortgage statement or a redemption statement from your lender

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

5% on a normal lending limit of 75% loan to value

The agent will be more willing to hand you properties that he can sell quickly or that are in greater demand

If you completed our application form, it will be passed to your chosen provider in order that they may process it

Another form of insurance is Mortgage Indemnity Guarantee

Unfortunately not all estate agents are ethical in this area

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

So as a rough ‘rule of thumb’ a capped rate is better to have than a fixed if all other factors are equal

(See Offers & Missives), so if you ANY doubts ask your solicitor for advice

Most lenders and insurance companies offer a combined Buildings and Contents Policy

99% 2 year discount, no extended ties fee free remortgage