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Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

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

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

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It provides no benefit to you, it is for the lenders protection only

The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

The typical cost is £50 to £100 and the search is conducted by a solicitor

Your mortgage lender will insist on a property survey before approving your mortgage

ISA The Individual Savings Account (ISA) is a tax free method of saving

Whilst practically the entire range of mortgage schemes are available to you with the exception of rates designed specifically for first time buyers, moving house may provide an excellent opportunity to consider what your future plans may be

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

There are many different types of mortgages and there will be one out there that best suits you

Ask why the current owners are selling the property

STEP 1 - WHICH LOAN? Secured home-owner loans are available in varying amounts and for many different purposes, including debt consolidation

First time buyers looking for security during the first few years of setting up home

Loans secured against property that is already mortgaged are known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges

Capped Rate Mortgages

Larger borrowings

All lenders will insist on buildings insurance as the very minimum