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Higher rate taxpayers may benefit from this option

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

It is vital therefore that you discuss this complex area with an adviser as in many circumstances a more competitive rate may be available form a lender who will be more sympathetic to your particular circumstances

The potential for your rate to reduce unlike the fixed rate mortgage

This is referred to as a ‘redemption overhang’

Some will allow for bonuses and some will only allow 50% of bonus

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

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

The first of these relates to the current market value of the property to which the mortgage relates

The period an Early Redemption Charge applies can vary

This may reveal other factors that will not appear on any formal search

However, it is often overlooked that you may approach the seller or agent to negotiate a shorter period

This can save hours of waiting on the phone trying to get to speak to your conveyancer

If the property was purchased outright, the buyer keeps the deeds

A flexible mortgage linked to a current account

Freehold A freehold gives the buyer complete ownership of the land and buildings on it. Freeholders can therefore do what they like with their property and land, subject to general law (particularly planning control) and to the lawful rights of others. The fact that a property is available as a freehold, usually adds to the value over that of a leasehold.

You only get this if you qualify for income support

ISA The Individual Savings Account (ISA) is a tax free method of saving

More information about endowments (which in the 1980’s and 1990’s were extremely popular), ISAs and Pension plans are below

This will result in situations where there is no method of paying off the mortgage and the lender will only become aware at the end of the mortgage term

The period of borrowing is in excess of say 12 years

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

Much depends on the agent, the seller and your confidence in your negotiation skills