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Particularly furnishings and fittings,

Requests your deposit

The redemption fee payable is often up to six times the currently monthly repayments

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

In England and Wales a survey is normally made after the offer has been accept subject to contract

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

This will contain a number of conditions and other requirements that your solicitor will discuss with you

Disadvantages: As mentioned above, any change in bank rates will be directly reflected in the monthly mortgage repayment so this type of mortgage provides no protection against any upward movement in interest rates (in contrast to fixed rate mortgages for example)

Areas to pay particular attention to in selecting your cover are: Cover for any accidental damage

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

For a mortgage secured on a property, insurance may be required

If you are considering protecting your repayments in the event of accident, sickness, unemployment or death, why not browse our Income Protection finder

This had much to do with the amount of properties being repossessed at the time

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

If added to the loan then interest is charged over the duration of the loan

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

Personal loans are repayable monthly

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property

This is the rate that they apply to all their borrowers before making adjustments for any special offers that may be available at the time and should be examined in every case before making the final decision regarding the choice of lender

Possible diversion or closure of roads or footpaths

Often mistakenly called an endowment mortgage, interest only mortgages are loans where the lender agrees to charge purely interest throughout the term of the mortgage