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Each case should be taken on its own merits

What other costs are involved in any remortgage scheme? What solicitors fees are incurred, valuation costs and set up fees? Once all this information is available you will be in a position to make an informed decision on how you might wish to proceed

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

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

Written quotations are available on request

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

For example, setting the price range on your next home

Each year the amount owed will decline

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

The period of borrowing is in excess of say 12 years

On-line conveyancing On-line conveyancing is one of the latest improvements in the legal process of buying and selling

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

STEP 1 - WHICH LOAN? Secured home-owner loans are available in varying amounts and for many different purposes, including debt consolidation

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

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

Be precise when filling out the registration forms

The seasoned mover is likely to have learnt from past experiences to exactly that

Disadvantages: There are currently a relatively small number of lenders offering this type of mortgage at present

The process of registration is usually conducted via a solicitor

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

In such cases there are three possible routes of action that may be of help

Disadvantages: Unexpected increases in payments at term end