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Disadvantages: The amount of your debt does not decrease over time, unlike the repayment mortgage option

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

If it is clear at this point, then there should be no problems further down the road when it come to draft-contract preparation

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

Being hit by an unexpected redemption fee can put a serious dent into your finances

It is probably more suited to you if you do not mind this uncertainty and your budget can absorb an increase in interest rates or if you think rates will go down during the discounted period

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

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

5% on a normal lending limit of 75% loan to value

Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

This may reveal other factors that will not appear on any formal search

These mortgages take the benefits of the flexible mortgage and use the funds held in the current account to offset the interest e

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

Providing all payments are made in full, at the end of the term, no capital will remain outstanding

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

They are not available for business purposes and some other uses may also be excluded, for example the purchase of timeshare properties

If any adverse comments on structure or conditions arise then it is wise to obtain quotations on any remedial work required

Mortgage Intermediary A firm, organisation or individual, which helps you to choose a mortgage and introduces mortgage applications to lenders. Mortgage intermediaries are for example, mortgage brokers, estate agents, independent financial advisers, solicitors, accountants and life assurance companies. Their role is to search a range of lenders on your behalf for the best deal. Intermediaries usually receive a fee for arranging the mortgage

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary