Lenders, panel and loan offer

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• The agreement in principle: what it is worth, what it does not commit you to, and why it falls through An agreement in principle does not commit the bank: the five reservations to lift, the document closing each, and the protection not to give up.
• Releasing the funds for a mortgage: who triggers it, when the money is transferred, and how to avoid a delay The notary calls the funds, not you. What the lender checks before paying out, when to transfer your own contribution, and how to avoid a delayed release.
• Online bank mortgage: for which applications is the branch-free channel an advantage Pricing grid, processing, collateral, derogation: six criteria to tell whether your application benefits from a branch-free bank, or will get stuck there.
• Types of banks for a mortgage: who lends, and who really decides on your application National, mutual, regional, online or specialist: what decides an application is not the brand but the level at which it is examined. How to read this.
• FISE: the only document that makes two loan offers truly comparable The FISE aligns two loan offers item by item. The reading order that avoids false discrepancies, and the three sections where the price is hidden.
• Understanding your loan offer: the twelve clauses to check before signing The twelve clauses of the loan offer, in the order of the document: what is negotiable, what the law caps, and the three points that cannot be rectified.
• Why one bank refuses and another does not, for the same application Approval here, refusal there, same application: the three real causes of the gap, the one that is not up to you, and how to submit accordingly.
• Capped variable-rate loan: what the clause says, and what the cap does not protect against Index, frequency, margin, cap: read the variable-rate clause of a mortgage in four lines, and identify what the cap does not protect against.
• Specialist lenders: when a niche bank reads your income better Civil servant, healthcare worker, expatriate: what a grid built for your status changes in the reading of your income, what it costs, when to go there.
• Mortgage guarantee: who issues it, and how to recover what is due to you Lost commission, refundable mutual fund: who guarantees your loan, whom to write to after settlement, and how to recover what is due to you.
• Mortgage amortisation schedule: how to read and check it yourself Amortisation schedule: verify each line with three checks, read the interest, capital and insurance, and see the effect of an early repayment.