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APR - Annual Percentage Rate An indicator which is used to compare rates of interest. It takes into account the costs involved in setting up the mortgage, any discount periods, how often interest is calculated and calculates what the average rate of interest will be over the term of the loan. All lenders that comply with the consumer credit act must ensure that the borrower is notified about the APR

The valuation does not represent a detailed inspection

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

Suitability: The repayment mortgage option is suitable in a number of circumstances the most common being those identified below: You do not like to expose yourself to too many financial risks

They are also generally linked to variable rates and so reductions in your mortgage payments in the early years may not be possible with this type of product

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable

Borrowers who anticipate rising interest rates

In either case, having prepared the ground an agent will notice that you have put some work into sorting a few thing out, thus take you seriously

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

The freedom to make additional payments up to the annual limits

As a result a lender may restrict the amount they are prepared to advance or place conditions on the advance

This is not the same as the main deposit and is returnable if you pull out before exchange of contracts

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

It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

It is important to note that this is not an official search

Other Benefits A whole range of other benefits can be applied to mortgages including the significant benefits of no Mortgage Indemnity Charge and no Early Redemption Charge

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

Outline information is available free of charge, by entering a postcode

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