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Redemption penalties can prevent restructuring of your mortgage and associated finances

Written quotations are available on request

The money is then paid back to the Lender over a fixed period of time together with accrued interest

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

5%

No further funds can now be put into Personal Equity Plans

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

Requests your deposit

Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee

The costs will be greater for house purchase than for remortgage

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

where the loan is not much less than the value of the property, it is common practice for the lender to take out a form of ‘insurance’ to protect against some or all of the losses incurred if the property needs to be taken into possession because of serious arrears

You only get this if you qualify for income support

You can choose cover according to your needs

3% of the loan

12 weeks to go Try starting a notebook to record details

During the early years you will find the charges in certain policies will eat into the premiums and reduce the amount you are accumulating towards the repayment of your mortgage

At the very least a mobile phone

Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed

Lenders are constantly providing new ways for borrowers to save money if they switch their mortgage from their existing lender to a new one

You should never assume that because a lender is prepared to agree a mortgage on the property that the purchase price is reasonable or there is nothing wrong with the property itself

Once the ruling has taken place it will be recorded against the persons credit history and will appear every time a credit search is done for the next seven years

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums