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The amount borrowed is subject to an interest charge, which will be quoted as a percentage

The increased flexibility inherent within the repayment vehicle can lead to shortfalls in relation to the amounts required owing to withdrawals having been made

The customer is charged mortgage interest on £48,000 i

In such cases there are three possible routes of action that may be of help

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

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Check this out with your solicitor or lender

You should never assume that because a lender is prepared to agree a mortgage on the property that the purchase price is reasonable or there is nothing wrong with the property itself

insurance and finance

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

These will be provided for in the initial agreement

Individuals on tight budgets expecting wage increases over the first few years of the mortgage

a £47,500 mortgage on a purchase price / valuation of £50,000 would result in a £750 charge on a typical MIG charge of 7

DISADVANTAGES There may be financial penalties for making lump sum/overpayments into your mortgage account

You will be kept up-to-date on the progress of your application by e-mail

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

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