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Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

Are there any guarantees not held with the title deeds? i

Possible diversion or closure of roads or footpaths

This policy is designed to offer income protection against unemployment, sickness and redundancy

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

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

Most recent mortgage statement or a redemption statement from your lender

We specialise in helping people who find it difficult to obtain a mortgage or loan

carpets and curtains

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

Making an offer is one of the more stressful parts of buying a home

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

a 3 year fixed rate with a 5 year ERC

As you would expect lenders apply an Early Redemption Charge with cashback mortgages

They are more expensive than the lenders valuation

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

The period of borrowing is in excess of say 12 years

Compulsory purchase orders

Interest may still accrue on the balance outstanding so the exact terms should always be verified with the lender

Arrears This describes the amount the borrower is behind in his mortgage repayments schedule

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

It should be noted that individual savings accounts are relatively new products and as with any piece of new legislation there is always some degree of uncertainty over its long term future

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

The APRs quoted by the lender will usually be typical rates, and these act as a guide only as the exact rate offered will be on an individual basis

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