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ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

Most insurance companies will have extended buildings cover options which are well worth considering

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

Especially considering that they had gone to the expense of paying for a building survey

Surveys come in three forms: Valuations, usually undertaken by the lender

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

The amount is usually measured in either pounds or months

We are completely independent and have access to every lender and product on the market

g Loans for holidays may be restricted to a 12 or 24 month term)

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

4% off for 1 year

Ask how long has the property been on the market and if there has been a price reduction

Again, if you have any concerns about this, your solicitor will be able to advise you

If significant defects are identified, the surveyor may suggest further investigation by an specialist