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a 5 year discount with a 7 year ERC

This means that the lender can claim part or all of its ‘losses’ incurred repossessing the property from the insurance company providing the MIG cover

Contents insurance can provide cover for all your household contents - furniture, carpets, curtain, pictures TV, hi-fi, personal possessions etc

Not only will an estate agent take you more seriously, but the seller will feel more comfortable and have more confidence that you are not time wasting

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments

There is no reason, as far as legal procedures are concerned, why this cannot be quicker

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

The key thing is to talk with your lender

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

Requests your deposit

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

The seller is legally required to answer these enquiries honestly! But do they? We believe not always

Be aware that valuations are just that - they are not a full structural survey

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

It is normal for lenders to check that any policy arranged is adequate and a fee will sometimes be levied to check the policy, if the borrowers take a policy other than the one sold or recommended by the lender

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

Arrears This describes the amount the borrower is behind in his mortgage repayments schedule

Lenders offer insurance policies or payment protection schemes to protect you in the event of accident, illness, unemployment and death (subject to conditions), for which the charge is added to your monthly repayment

Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all