With so many factors to consider it can be difficult to know where to begin but with our help, you will be well prepared and petter placed to enjoy the process. We all hope that true disaster, in whatever form, won't strike our loved ones, however 'hoping' just isn't enough and a more planned approach is required. When you're fit and healthy it's hard to imagine life changing, but what do you think would happen if you couldn't earn an income because you fell ill or became disabled?
How would your family manage financially if you died? Insurance is there to ease the financial difficulties should the unthinkable happen to you. If you don't have a will when you die, your money, property and possessions will be shared out according to the law instead of your wishes. This can mean they pass to someone you hadn't intended - or that someone you want to pass things on to ends up with nothing.
How would your family manage financially if you died? Insurance is there to ease the financial difficulties should the unthinkable happen to you. If you don't have a will when you die, your money, property and possessions will be shared out according to the law instead of your wishes. This can mean they pass to someone you hadn't intended - or that someone you want to pass things on to ends up with nothing.
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Choosing whether to fix (and for how long) or to have a variable rate is never easy, and the reasons for choosing are different for everyone.
Your decision will depend upon your circumstances, on what you think is going to happen next in the economy, and how this makes you feel.
Most people choosing a 'two year deal' (fixed or variable) are relying on the economy not changing.
With a Capital & Interest 'Repayment' mortgage each month monthly payment contains an element of capital and interest on the loan - providing you make all your monthly repayments, you are guaranteed to pay the mortgage off at the end of the term.
Your decision will depend upon your circumstances, on what you think is going to happen next in the economy, and how this makes you feel.
Most people choosing a 'two year deal' (fixed or variable) are relying on the economy not changing.
With a Capital & Interest 'Repayment' mortgage each month monthly payment contains an element of capital and interest on the loan - providing you make all your monthly repayments, you are guaranteed to pay the mortgage off at the end of the term.
With interest rates at an all time low, there has never been a better chance to make sure your mortgage repayments are as cheap as possible too.
Usually, the lender will pay for most of the costs to transfer the mortgage over, this includes the survey and standard legal fees.
There is likely to be a lender arrangement fee, although this can be added into the new mortgage - the amount does vary from lender to lender and we will recommend the mortgage that has the cheapest interest rate/arrangement fee combination.
Usually, the lender will pay for most of the costs to transfer the mortgage over, this includes the survey and standard legal fees.
There is likely to be a lender arrangement fee, although this can be added into the new mortgage - the amount does vary from lender to lender and we will recommend the mortgage that has the cheapest interest rate/arrangement fee combination.
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