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The policy is usually highly portable and allows free movement from lender to lender

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

Title searches at the Land Registry will also be carried out

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

The lender may permit over-payments and lump sum payments, which allow you to clear the loan over a shorter term than that agreed at the outset

Borrowers who anticipate rising interest rates

Self Certification Mortgages

Written quotations are available on request

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

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid