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The standard period is 14-28 days after exchange

Many flexible mortgages come without any Early Redemption Charge so the borrower is not ‘locked-in’ to any particular lender

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

This form of insurance is not compulsory

Take note of the neighbours - Do they have overlooking views? Do they have pets, or caravans that may end up being a nuisance? Accept a tour by the owner or agent

Understandably this is due to protecting their investment

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

A flexible mortgage linked to a current account

In the past some lenders have made their insurance compulsory with some very competitive mortgage products although this is less common now

APR may vary

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

Your lender agrees a set rate of interest for a specified period of time

The following planner will help focus on what needs be done and when

Assuming that you have your financial preparations in place (a mortgage in principle)

ARLA - The The Association of Residential Letting Agents (ARLA) is a self-regulating body, which is solely concerned with lettings. In the event of unresolved disputes, the ARLA offers arbitration for landlords and tenants who use ARLA member firms. more info: http://www.arla.co.uk Arrangement Fee Sometime referred to as an Application Fee. The fee is an amount of moneylenders charge for arranging a mortgage. It may include administration costs and normally varies from one particular mortgage product to another.

Although directly related to interest rates it can be slightly more expensive than the interest only options, even allowing for the investment vehicle payments

Most mortgage schemes, in return for offering you a lower initial rate, will require you to stay with that scheme at least for the period of the Discount, Fix or Cap, and often longer

The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

By stating this you are not obligated to proceed until the conclusion of the survey and the exchange of signed contracts

Are they in a chain? How quickly do they want to move? Ask if the agent has a sole agency agreement Having been satisfied with your initial enquiries, it is now time to book a viewing

Subject to your circumstances, you may be able to borrow up to 125% of the property value

Only one Maxi individual savings account may be held in any one tax year

The solicitor will ask for your deposit and any outstanding charges to be in their hands normally 5/7 days before the date of entry

Usually this type of flexible mortgage will also calculate interest daily meaning that you will see an immediate impact of any overpayments that you make

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

Higher rate taxpayers may benefit from this option

2% fees-free offset mortgage