Mortgage Buyers

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Money trap of the fixed-rate mortgage: Purchasers are let out of their pockets if they fail to buy a home.

However, these businesses can have an costly prick in the dick if the purchaser has to get out of the business at the last moment. Glossop's Maxine and Alan Sykes of Derbyshire have recently requested a fixed-rate credit from the Gloucester Building Society. It was a fortnight after the handover that the purchaser withdrew.

It' s like the loss of a weekly wage or a monthly mortgage payment,' she added. Obviously we had one on our last home, but interest rates dropped after we had taken ours out, so we didn't really gain. Ms Sykes said she was conscious that the C&G required that the firm loans charge be non-refundable.

If Mr and Mrs Sykes had set up their mortgage through National Westminster and not C&G, they would have been 250 lbs better off. So, if a potential borrower makes a home buy, they do not have to foot anything but a handling charge. $250 charge is remitted for first-time buyers.

They don't make it, they lose the 150 quid they've already spent. When the initial sales fall by the would-be borrower, the fixed-rate loan contract normally cannot be transferred to another real estate. Even under these conditions, the borrower only has one months to find another one.

The Lloyds Bank always allows debtors to assign the contract to another real estate if the initial sale fails. As a matter of policy, Midland has no objection to the use of the resources for any other real estate than the one for which the resources were initially foreseen. However, the resources must be called up within four month of the initial arrangement with the potential debtor.

This means, in fact, that it will be hard for many individuals to keep to the deadlines and not loose their handling fees. The Abbey National will set a date on which all means must be withdrawn a few month later when it introduces a new solution. The majority of creditors ask their borrower to reimburse their handling charge when they apply for a mortgage.

As soon as the owner changes, the funds are usually never repaid unless the creditor declines to lend - either because the borrower's credentials have raised a concern or because the real estate turns out to be undervalued. Nevertheless, the abbey estimated that up to one third of fixed-rate loans were either never drawn down or repaid early.