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OTHER TERMINOLOGY Adverse Credit If a borrower has a history of poor credit usage then this is described as Adverse Credit

Suitability: An endowment policy is the most suitable option in a number of circumstances the most common being those identified below: You are a higher rate taxpayer and have utilised all your annual ISA allowance

Garden Cover - While most buildings insurance provide cover for patios, paths and driveways

ADVANTAGES At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid

Requests your deposit

The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

Preliminary Observations Ask about the cost of council tax and utilities with the seller

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

They are also useful for larger amounts or where the applicant requires a longer repayment period

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

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

Before the exchange of contracts, you will have to agree on a date for completion of purchase

Ask the owner or agent why the sale collapsed

This final bonus is not guaranteed in any way

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

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

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

Offers are invited above the stated price

Payment is either up front, or added to the overall loan

Nonetheless millions of borrowers have one or more endowment policy and as a rule of thumb these should not be cashed-in early and certainly not before seeking advice from a suitably qualified financial adviser

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

As a result the seller is in a stronger position and is likely to be less receptacle to any or significant price reduction

This mainly occurs in a sellers market or where the property is of rare value

It is best to find out the sellers position during the viewing, having plied as much information from the agent beforehand

This protects the lender in case you do not repay the loan and your home has to be repossessed

It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

Higher rate taxpayers may benefit from this option

This form of insurance is not compulsory

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

Normally the cashback is offered as a package of benefits e

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