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PEP
Personal equity plan. This is a tax-free way to own shares or unit trusts. Depending on the lender, you can use PEPs to repay an interest-only mortgage. 

Percentage advance
The size of the mortgage worked out as a percentage of the price you are paying for the property or valuation. (If your property was valued at £80,000, a £60,000 mortgage would be a 75% advance. 

Personal pension
This is a structured personal savings and investment plan to provide for your financial needs after you retire. You can use some or all of the proceeds from a personal pension to pay off an interest-only mortgage. You will need to arrange life assurance separately. 

PHI
Permanent health insurance. This pays a regular monthly amount until you retire or return to work if you cannot work because of illness or an accident.

Policy excess
The amount you will have to pay when you make a claim. For example, this may be the first £50 of a £500 claim for damage caused by a storm. 

Policy schedule
This gives policy details of how much cover you have (the sum insured), the discount you qualify for (if any), and the premiums you have to pay. With some policies you may get a new schedule when you renew the policy or whenever you want to change your policy. 

Possession
The lenders' term for repossessing your property. 

Private medical insurance
This simply pays the costs for private medical or hospital treatment. 

Purchaser
The buyer of the property. 

Committed to Excellence 

We always get the best deal for our clients including: 

• the best rates
• the most suitable terms
• no horrendous redemption penalties
• no selling of unnecessary insurance
• no hidden costs
• mortgages, re-mortgages, secured loans and personal loans

We are always available to discuss or advise you on your requirements, and a personal illustration of your new mortgage or re-mortgage is always given. We truly appreciate your visit to our web site. We trust you will find what you see and read both informative and helpful and we hope to hear from you in the very near future.

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Whilst every effort has been made to ensure that the facts here are correct, no liability is accepted for any errors contained herein or for any loss resulting from actions taken. 

Unless stated all loan and mortgage products are intended for people living in the United Kingdom. Specifically: UK non status mortgages, UK commercial mortgages, UK buy to let mortgages, UK remortgages, UK residential mortgages, UK self build mortgages and UK home owner loans.