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Imagine each room empty

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

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

All mortgage lenders require a survey, some more thorough and detailed than others

When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

At least you then have the information regarding how the seller would rather proceed

A fixed rate mortgage is suitable if your mortgage repayments take up a large proportion of your income as it protects you from any sudden and unexpected rises in interest rates

Some websites are also offering information about local schools, crime rates, and average property prices

Equally, you may consider whether the most suitable mortgage vehicle for the future would be a repayment or interest only mortgage (see our Guide to your Mortgage Repayment Options) and this may be related to the prospect of remaining in the same house for the remaining term of your mortgage

Mortgage Intermediary A firm, organisation or individual, which helps you to choose a mortgage and introduces mortgage applications to lenders. Mortgage intermediaries are for example, mortgage brokers, estate agents, independent financial advisers, solicitors, accountants and life assurance companies. Their role is to search a range of lenders on your behalf for the best deal. Intermediaries usually receive a fee for arranging the mortgage

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

These bonuses termed either annual or reversionary cannot be taken away

(See Offers & Missives), so if you ANY doubts ask your solicitor for advice

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

In either case the difference will need to be found before completion

How we can Help Obviously prior to making any decisions comparisons from other providers should be obtained

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

As a general rule, it is advisable to compare the APRs of different loans, as this is a good way to determine how competitive they are

Home Mortgage Rates

Disadvantages: The amount of your debt does not decrease over time, unlike the repayment mortgage option

The second influence on the amount you can borrow is your current level of income

a first-come, first-served fixed rate

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

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

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

It should also be noted that whilst a Maxi has a single investment manager for all three elements the Mini ISAs will have an individual manager per element therein