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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

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

Unit Linked – Once again investors funds are pooled and then used to purchase units in stock market linked investments

When registering, be aware that you a likely to receive information on other services or products

The offer will have numerous conditions which are designed to ensure that you encounter no problems when you move into the property

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

Ask the owner or agent why the sale collapsed

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

If using a removal firm we suggest obtaining several quotes first

Buildings survey Also known as a structural survey

The potential for your rate to reduce unlike the fixed rate mortgage

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

Therefore, a reputable agent will forward all offers to their client even if these are made after an offer has been accepted

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

carpets and curtains