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insurance and finance

In this, the seller agrees to a period during which they promise not to enter an agreement with anybody else

Ask why the current owners are selling the property

Popular in the late eighties and the nineties an endowment policy is a combination of two basic elements, namely a savings plan and a life assurance policy

However it is possible to speed up the process by arranging a personal search

This may be an expensive choice, as in the vast majority of cases Just are able to significantly reduce your mortgage rate, although it is of course imperative to consider the potential cost of any redemption penalties on your existing mortgage

will need to be addressed during this period of pre-contract enquires

Capped Rate Mortgages

If you had planned on having any new furniture or appliances, order them now and if possible withhold delivery until you know exactly when you are moving in.

They are usually covered by professional indemnity insurance, which means costs can generally be recouped if things go wrong

Some will allow for bonuses and some will only allow 50% of bonus

Payment holidays are permitted

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

Examine these policies carefully

Disadvantages: The amount of your debt does not decrease over time, unlike the repayment mortgage option

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

Buy to Let Mortgages

It is normal for lenders to check that any policy arranged is adequate and a fee will sometimes be levied to check the policy, if the borrowers take a policy other than the one sold or recommended by the lender

Mortgage Intermediary A firm, organisation or individual, which helps you to choose a mortgage and introduces mortgage applications to lenders. Mortgage intermediaries are for example, mortgage brokers, estate agents, independent financial advisers, solicitors, accountants and life assurance companies. Their role is to search a range of lenders on your behalf for the best deal. Intermediaries usually receive a fee for arranging the mortgage

At Just we can complete a full analysis of the market using the most up to date information available

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

We are completely independent and have access to every lender and product on the market

g Loans for holidays may be restricted to a 12 or 24 month term)

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

The borrower also takes out at the same time, an alternative ‘repayment vehicle’ (method of paying off the mortgage) such as an ISA, pension plan or endowment policy

The second influence on the amount you can borrow is your current level of income

The law on moveables is quite complex

Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund

you as a loyal customer with a new loan

Further fees such as arrangement fees are also frequently experienced with this type of rate