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Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

Capped Rate Mortgage

conducts a local authority search to highlight planning, financial and other charges affecting the property

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

Conditional planning permissions granted

Most agents are pretty determined in their approach and will be interested in selling you more than a property

In many cases, lenders offer different rates depending on the method by which you apply

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

If you do have difficulty making your repayments you should seek advice from your lender immediately

The main benefit of flexible mortgages is that many schemes are offered on a Daily or Monthly Interest Calculation basis (sometimes referred to as ‘daily rest’ or ‘monthly rest’)

c) A combination of the above

Negotiation with a lender is possible

This means that the lender can claim part or all of its ‘losses’ incurred repossessing the property from the insurance company providing the MIG cover

This had much to do with the amount of properties being repossessed at the time

A previous buyer will only be too happy to get some of the survey costs back

If it is going to happen then it is likely to occur between acceptance of your offer and exchange of contracts

Advantages: With the built in life assurance and in most cases critical illness insurance the overall cost is usually lower

You can also seek advice from a voluntary organisation such as The Citizens Advice Bureau

Base Rate Tracker Mortgages

For example; It may be that the property is located on the local pub route and returning merry singers (or worse) could end up becoming a nuisance

Compare life insurance quotes instantly through our independent systems

Variable Rate Mortgages

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property

Base Rate The standard rate of interest set by the Bank of England which all lenders generally follow.

Endowments provide life assurance so that in the event of death the mortgage is paid off

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

Flexible Mortgages

The investment vehicle is entirely portable and can be taken with you to a new lender no matter how many times you might move

Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

Most pension plans have the option at maturity to withdraw a percentage of the fund as tax-free cash

Watch out – the ERC can sometimes last longer than the fixed rate period e

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

4% off for 1 year

Typically a borrower will be locked-in for 5 to 7 years where a substantial cashback has been paid