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A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

Written quotations are available on request

The second influence on the amount you can borrow is your current level of income

An arrangement fee is typically charged on completion of the mortgage

This can be of great advantage in determining outline information before you go to the time and expense of having a survey and local searches made

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

Preliminary Observations Ask about the cost of council tax and utilities with the seller

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term

The key advantage is that you should be able to track the process of the purchase online

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

Choosing the correct survey Choosing the correct survey depends on the requirements of the lender and the property itself

Other factors may well be involved

The plan holder can then draw a pension from the balance of the fund

If applicable, a redemption fee will come into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

Title searches at the Land Registry will also be carried out

You are not looking for a guarantee of repayment at the end of the mortgage term

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

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

The Act contains strict regulations about how money is lent and covers unsecured loans up to £25,000

Advice on Affording a Mortgage

This is referred to as a ‘redemption overhang’

OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

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

For a borrower wanting one home for their finances this is an attractive option

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Flexible mortgage Cashback Fixed Discounted Capped

- keeping them all in one place for when you need them

Obtaining quotes for conveyancing is simple

Investment managers may only be changed on an annual basis

It will not protect you to the same degree, but if speed is of the essence, it can save weeks