Cheshire Mortgage Guide

Endowment policies come in two types.

First the with-profits policy where borrowers premiums are invested by the life office and bonuses reflecting the investment growth are regularly added to policies, to reflect the profits made by the company.

The second type of policy is the unit-linked endowment. With a unit-linked policy no bonuses are added; premiums, after charges, are used instead to buy units in a unit-linked life fund.

Many lenders also offer a low start endowment mortgage. With a low start plan borrowers pay smaller premiums during the first five years,
but slightly higher premiums during the rest of the endowment term.
Endowment mortgages are not as flexible as repayment mortgages.

Your home is at risk if you do not keep up your mortgage repayments or any loan secured on it.

Selecting the right estate agent to sell your home can make all the difference between selling your home quickly at the right price and having your home sit on the market for months.

With so much at stake, you should know how to select the right estate agent and what services to expect from them.

So take a few minutes and explore these topics in a little more detail.