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There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances

More detailed reports are also available for a small fee

The money is then paid back to the Lender over a fixed period of time together with accrued interest

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to

Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

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

Booking Fee and Arrangement Fee Both are up-front fees charges levied at the outset of the mortgage

Most recent mortgage statement or a redemption statement from your lender

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

The savings can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget

However should rates decrease the borrower will benefit from lower payments

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

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

These will be provided for in the initial agreement