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Some short term discount products offer a ‘deep discount’ e

Flexible Mortgages

A capped rate mortgage is very similar to a fixed except that if the variable rate drops below the capped rate, the borrower will make payments based on the lower variable rate

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

UK Pensions Advice

This mainly occurs in a sellers market or where the property is of rare value

The savings can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget

4% off for 1 year

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Some lenders do offer cashbacks in conjunction with other offers such as discounts or fixed rates

You may also speak to the seller directly

A valuation of the property is supplied based on the approximate market value of the property

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

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

Again, if you have any concerns about this, your solicitor will be able to advise you