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So we know our specialist advisers can provide you with the mortgage that best suits your needs

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Examine these policies carefully

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters

It should be noted that individual savings accounts are relatively new products and as with any piece of new legislation there is always some degree of uncertainty over its long term future

Setting the completion date The standard time between exchange of contracts and completion is four weeks

A recommendation of the building/rebuild insurance cover required should also be given

In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

Compulsory purchase orders

Written quotations are available on request

It acts as a form of insurance for the lender not the borrower

Advantages: Complete flexibility within the mortgage market allowing option to move from lender to lender should the opportunity to take advantage of more competitive rates elsewhere arise

The amounts can range from a flat fee e

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

Some plans are tax-efficient

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

For example, the variable rate may be 5% with a discount of 1

Generally, secured loans are much easier to obtain than unsecured loans

There are limits applied to all contributions

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.