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You will be kept up-to-date on the progress of your application by e-mail

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

The offer will have numerous conditions which are designed to ensure that you encounter no problems when you move into the property

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

If you are considering protecting your repayments in the event of accident, sickness, unemployment or death, why not browse our Income Protection finder

This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser

Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

Higher rate taxpayers may benefit from this option

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

This is called a collar

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

Often mistakenly called an endowment mortgage, interest only mortgages are loans where the lender agrees to charge purely interest throughout the term of the mortgage

Gregory Pennington Bains & Ernst STEP 3 - HOW AM I PROTECTED? Personal loans are governed by the Consumer Credit Act 1974

Obtaining quotes for conveyancing is simple

However should rates increase the payments will be ‘capped’ and will not rise over the capped rate

See below for a quick guide to secured loans

12 weeks to go Try starting a notebook to record details

A survey carried out by the mortgage lender should indicate what sum to insure

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

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

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

It may be that administration charges, mortgage indemnity insurance, or building and contents insurance costs have been added to the amount you originally borrowed

It may be that there is more or less demand on a certain type of property or particular estates/areas

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

Depending on the amount of loan and the LTV the Mortgage Indemnity Guarantee charge can be a significant cost e

It simply informs the seller of your interest

The redemption fee payable is often up to six times the currently monthly repayments

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Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

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

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.