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Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee

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

Anywhere between 1% and 12% cashback has been available

Your solicitor will also be checking the exact description of the property and any title burdens

If the plan is not reaching its expected target, the borrower can increase payments into the policy or invest in another product to cover any anticipated shortfall

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

There is also the potential to receive a tax-free lump sum once the capital amount owing has been repaid, or to reduce the term of the mortgage if the target amount is achieved early

The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

Gain an advantage view point of the roof - Does it bow or are there any tiles missing? Are there signs of any glass being recently replaced or damage to external doors? Possibly indicating signs of break-in

Personal loans are repayable monthly

These are known as regulated loans

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

You never know, it could be a deciding factor involved in your decision to purchase or not

Switching between provider can only be completed on an annual basis and penalties may be incurred

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

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

Normally the cashback is offered as a package of benefits e

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

This is a fantastic time saver

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

Whereas, on a mortgage where the interest is being calculated on a daily basis, any over-payment reduces the mortgage balance immediately hence the borrower will be charged less interest from the next day

The earlier you contact them, the more sympathetic they are likely to be

Base Rate Tracker Mortgages

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

The cost of this is therefore to be taken into account when selecting a lender

This is not an obligation to purchase the property

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

A recommendation of the building/rebuild insurance cover required should also be given

If so, be bold and ask to see them

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

If you are mortgaging the purchase of your property then the lender will make it a condition that you take out their Mortgage Indemnity Insurance

Having a mortgage in principle means you should be able get the actual mortgage quicker when the race to buy your chosen home begins