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By Tony Palmer
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Additional info for Getting Out of Debt and Staying Out
Costs * There are 'up front' costs in buying a house (stamp duty, legal fees, etc). 4 You have to pay building insurance as well as contents insurance. * You are responsible for property repairs. * You lose out if the property falls in value. 4 If the money value falls below the amount of the loan outstanding, you are in negative equity and the lender may demand repayment of some of the loan capital. 42 / G E T T I N G OUT OF DEBT AND S T A Y I N G OUT + If your income falls, through illness or unemployment, Housing Benefit is less generous in helping with mortgage interest than with rent.
The figure to look for is the APR (annual percentage rate). This figure is an attempt to provide a standardised method of calculating interest charges so that people can compare like with like. Unfortunately it has not turned out quite as simple as that. It recently took a Cambridge mathematician several hours to work out exactly how the APR quoted by a major UK bank had been calculated. 38 / G E T T I N G OUT OF D E B T AND S T A Y I N G OUT But APR is probably the nearest you will get to finding a way of comparing lenders' rates, so this is the one to look for.
Early repayment penalties. The length of time you will be 'locked in' to a particular lender and the size of the penalty you will have to pay to get unlocked will vary. It is particularly important to look at this when you have decided to go for a discounted, capped or fixed rate mortgage. For example, if mortgage rates go down when you have a fixed rate mortgage you will want to get out as soon as possible. + Free valuation/survey. The lender will want a survey carried out on the property before they agree to a mortgage to ensure it is worth as much as you are paying for it.