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The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

Location : Normally an agent will ask for a number of areas Do you need finance? If not how are you financing the purchase? Is it dependant on selling a property? If you have registered with an agent and your not getting any details

Dealing with adverse valuations Adverse valuations occur in certain instances where the valuation figure is lower than purchase price of the property

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

Depending on the amount of loan and the LTV the Mortgage Indemnity Guarantee charge can be a significant cost e

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

Requests your deposit

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

It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

This form of insurance is not compulsory

This may cover issues such as disputes with neighbours

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

However in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

This may be due to a number of factors, but mainly occurs due to the condition of the property

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

Valuations and mortgage reports Note, a valuation is not a survey

Receives search results and deals with any problems revealed

Personal Possessions (including cash) on an all risk basis, in and outside the home

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

Stage 2 - Assessment of draft contracts This is the point at where both parties solicitors negotiate the deposit payable on exchange of contracts, the time between exchange and completion and any allowance by the seller to let the buyer have access to the property ahead of time

The agent will be more willing to hand you properties that he can sell quickly or that are in greater demand