Important information

For secured loans the lender will require a charge on your property and in the case of endowment mortgages, an endowment/life policy for the amount of the advance and a charge over the property. Loans are subject to status and valuation and are not available to persons under 18 years of age. Written quotations available from individual lenders.

You should fully discuss the terms and conditions of any mortgage or loan offer received with your legal representative to ensure that you fully understand your obligations.

Discount rate, fixed rate, capped rate and cashback mortgages (or combinations of discounts, fixed rates, capped rates and cashbacks) are normally special offers from a Mortgage lender and individual products can carry redemption penalties for several years (for full or partial redemption) beyond the special offer period. Some loans can be penalty free and allow the transfer to another property if you move home. You should ensure that you fully understand the implications of any redemption penalties that may apply to your loan in the future should you decide to repay the loan, move home, alter the loan in any way or fail to maintain payments on the mortgage.

The Financial Services Authority regulates mortgage lending business.

 
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.