AbleSys software offers traders specific buy/sell/stop signals for day, swing, and position trading for all markets including stocks, futures, commodities, etc.

A

Additional Security Fee
An up-front, one-off fee paid to the lender to protect them against the borrower defaulting on the loan. Usually charged on mortgages over 75% of the house value. Also known as MIG, Indemnity Guarantee Premium and Mortgage Indemnity Premium.

Agents
(See Estate Agents)

APR
Annual Percentage Rate. The true cost of a loan.

Auctions
Property sale. If you win the bid, you are legally bound to buy the house.

B

Banks
A place to go for Mortgages & Loans.

Bridging Loan
An expensive temporary loan to tide you over when having to buy your new house before selling your old home.

Broker
An intermediary who will give advice and offer a range of mortgages.

Building Society
Another place to go for Mortgages & Loans

Buildings Insurance
Insurance to cover any structural damage to your house.

C

Chain
This occurs when the seller needs the sale of their house to occur before they can complete the purchase of another property. The same situation may exist for others in the chain. As a result, the whole chain can collapse if one link breaks.

Charge
The term used for the security that the lender relies on when granting a mortgage.

Completion
The point when contracts have been exchanged and ownership legally passes to the buyer.

Contents Insurance
Insurance to cover any loss or damage to your possessions.

Contracts
The legal documents needed to transfer the ownership of property.

Conveyancing
Legal work involved in buying and selling a house.

D

Disbursements
Expenses paid by the solicitor on behalf of the purchaser.

Discounted Rate
A reduced mortgage interest rate which is subtracted from the Standard Variable rate.

E

Estate Agent
Property agents who link up buyers and sellers. Estate Agents advertise houses & arrange viewings.

Excess
The initial sum you have to pay on an insurance claim.

Exchange of Contracts
The point at which buyer and seller are legally bound to the sale and purchase of the property.

F

Freehold
Absolute ownership of property and land.

G

I

J

L

Lease
Document in which the owner of a freehold property lets out their premises to a named party at a certain price and for a specified time.

Leasehold
The ownership of a lease.

Lender's Arrangement Fees
Charge passed on to the buyer by lender for arranging a loan.

Lender's Legal Fees
The fees incurred by the lender when arranging a mortgage. These costs are passed on to the buyer.

Lender's Valuation
A valuation of the proposed property carried out by the lender before agreeing to give out a mortgage. This is only a valuation survey. A separate full structural survey is needed by the buyer.

Life Assurance
An insurance policy which pays out a fixed lump sum on death of an individual. Life Assurance helps protect from financial difficulties.

Loan-to-Value
A percentage expressing size of mortgage:value of house. For example, House Value=£100,000, Mortgage Size=£90,000. Loan-to-Value=90%.

Local Authority Search
A search carried out by the Solicitor to find out if there are any Local Authority Notices, with respect to the building itself (e.g. has it been condemned?), and the surrounding area (e.g. have plans gone through to build a motorway next to the house?).

M

MIRAS
Mortgage Interest Relief At Source. This used to be tax relief deducted from interest payments on the first £30,000 of your mortgage. The Government has since phased this out as of April 2000.

Mortgage
A long term loan to fund the buying of a property.

Mortgagee
The lender of a mortgage.

Mortgagor
The house buyer who takes out a mortgage.

Mortgage Indemnity Premium
See Additional Security Fee.

Mortgage Term
Period over which mortgage is to be repaid.

N

P

Premium
The monthly amount payable to an insurance policy.

Principle
The sum of the loan on which interest is calculated.

Public Liability Insurance
Insurance which covers injury or death to anyone on or around your property.

R

Relocation Agents
Specialists in finding houses, raising finances, organising surveys and completing negotiations.

Repayment Mortgage
A basic mortgage capital and interest on the loan are paid off in monthly installments.

Repossession
When the mortgage lender takes away your home because you have fallen too far behind on your mortgage repayments.

S

Solicitor
Legal Professional who acts on behalf of the buyer in the purchase of a house. The solicitor will check the legal position of the house, carry out a Local Authority Search, Land Registry and oversee the exchange of contracts between the two parties.

Stamp Duty
A government tax where the higher the property value, the greater the percentage you pay.

• £0 - £60,000. No duty levied.
• £60,001 - £250,000. 1%
• £250,001 - £500,000. 3%
• Over £500,001. 4%

Structural Survey
A report constructed by the surveyor detailing firstly, whether the house is structurally sound and secondly, listing the major/minor defects, (including the necessary work which needs to be done).

Surveyor
The person who carries out a structural survey of the property, examining the structure and general state of the house.

T

Term
The period in which a mortgage is taken out.

Title
The legal right to ownership of a property.

Title Deeds
The document which shows the ownership of a property.

V

Welcome to Private For Sale.com, the Official Multiple Listing Service for Private Home Sellers.

Our for sale by owner real estate network offers the largest number of viewers for your property, here and from over 8000 partners and affiliate real estate sites

Tradetrek.com, Tradetrek, stock analysis, trading strategy, pattern search, stock picks, neural network forecast, fundamental analysis, valuation model, technical analysis, trading models, quantitative analysis, live stock comment, pairtrade, investment education, real-time stock quote/chart, stock market outlook offers professional trading strategies and in-depth stock analysis tools. Services including real-time pattern-based stock picks, Neural Network Forecast, market-neutral pairtrade, live Al-based stock comments, fundamental evaluation models, and much more. Tradetrek is making Wall Street trading tools easy for EVERYONE"

stock analysis,

trading strategy, pattern search, stock picks, neural network forecast,

fundamental analysis, valuation model, technical analysis, trading models,

quantitative analysis, live stock comment, pairtrade, investment education,

real-time stock quote/chart, stock market outlook

CompleteTax by CCH offers online preparation of individual federal and state tax returns. It also offers free electronic filing for both federal 1040 and state returns axes, tax, 1040, 1040EZ, complete tax, online tax preparation, tax guide, tax preparation, tax software, income tax, online software, online tax return, online tax software, tax returns, CCH, state tax, credit card payment, e-file, efile, efiling, e-filing, electronic filing, financial, calculators, online organizer, tax help, tax information, Advance Refund Deposit, PhoneCharge, CCH business owner's toolkit, Refunds Now, Republic Bank,online tax, online taxes, online tax filing, income taxes, do-it-yourself taxes, do it yourself taxes, IRS, IRS forms, federal and state income tax forms, federal and state tax form, state and federal tax forms,tax preparation software, IRS e-file, file tax, file taxes, federal taxes, file taxes online

coupons, free stuff, DVD movies, CD music and rebates for Amazon, Staples, CDNow, Barnes & Noble, Half.com, KB Kids & more

coupons,free stuff,coupon codes,DVD movies,CD music,free after rebate,Amazon.com,staples.com,half.com,KB Kids,CDNow,Barnes & Noble,books,baby,toys,gif">

coupon codes,discount codes,online store discounts,free shipping,online coupons,online shopping deals

trading; software; ablesys; easctrend; wintick; indicator; markets;">

ablesys.com, the worldwide leader in trading indicator software. eASCTrend shows you

When and How to trade; WinTick searches markets for hot picks

Welcome to Private For Sale.com, the Official Multiple Listing Service for Private Home Sellers.

Our for sale by owner real estate network offers the largest number of viewers for your property, here and from over 8000 partners and affiliate real estate sites

Tradetrek.com, Tradetrek, stock analysis, trading strategy, pattern search, stock picks, neural network forecast, fundamental analysis, valuation model, technical analysis, trading models, quantitative analysis, live stock comment, pairtrade, investment education, real-time stock quote/chart, stock market outlook offers professional trading strategies and in-depth stock analysis tools. Services including real-time pattern-based stock picks, Neural Network Forecast, market-neutral pairtrade, live Al-based stock comments, fundamental evaluation models, and much more. Tradetrek is making Wall Street trading tools easy for EVERYONE"

stock analysis,

trading strategy, pattern search, stock picks, neural network forecast,

fundamental analysis, valuation model, technical analysis, trading models,

quantitative analysis, live stock comment, pairtrade, investment education,

real-time stock quote/chart, stock market outlook

CompleteTax by CCH offers online preparation of individual federal and state tax returns. It also offers free electronic filing for both federal 1040 and state returns axes, tax, 1040, 1040EZ, complete tax, online tax preparation, tax guide, tax preparation, tax software, income tax, online software, online tax return, online tax software, tax returns, CCH, state tax, credit card payment, e-file, efile, efiling, e-filing, electronic filing, financial, calculators, online organizer, tax help, tax information, Advance Refund Deposit, PhoneCharge, CCH business owner's toolkit, Refunds Now, Republic Bank,online tax, online taxes, online tax filing, income taxes, do-it-yourself taxes, do it yourself taxes, IRS, IRS forms, federal and state income tax forms, federal and state tax form, state and federal tax forms,tax preparation software, IRS e-file, file tax, file taxes, federal taxes, file taxes online

coupons, free stuff, DVD movies, CD music and rebates for Amazon, Staples, CDNow, Barnes & Noble, Half.com, KB Kids & more

coupons,free stuff,coupon codes,DVD movies,CD music,free after rebate,Amazon.com,staples.com,half.com,KB Kids,CDNow,Barnes & Noble,books,baby,toys,gif">

coupon codes,discount codes,online store discounts,free shipping,online coupons,online shopping deals

trading; software; ablesys; easctrend; wintick; indicator; markets;">

ablesys.com, the worldwide leader in trading indicator software. eASCTrend shows you

When and How to trade; WinTick searches markets for hot picks

Privista offers industry-leading credit protection and management services designed to help you regain control of your personal information and protect your privacy. Get instant online access to your credit report, a personal credit rating and more. Plus our credit monitoring service helps protect against credit fraud and identity theft Privista,Credit fraud,Debt,Identity theft,Credit alert,Bankruptcy,Credit Insight,Credit analysis,Identity guard,ID Guard,Credit bureau,Stolen,Privacy,Credit card fraud,Merged credit report,Credit protection,Credit monitoring,Personal information,Credit report,Credit history,Personal data,Credit rating,Credit improvement,Security,Online credit report,Credit management,Fraud,ID theft,Credit offer,Dispute,Opt out,Credit file,Finance,Identity protection,Fake ID,Fraud victim">

Programs for debt reduction, debt consolidation, financial planning, bankruptcy, and more

mortgage, loans, financing, mortgage refinancing, mortgage loans, mortgage financing, mortgage loan, refinancing, best mortgage rate, home, low rate mortgage, home mortgage, mortgage rate, low mortgage rate loan,">

Mortgage loans - The best mortgage rate - real estate financing.

Welcome to Delaware Fast Funds - your source for payday loans, paycheck loans and cash advance loans with no credit checks!

1-800 AUTO-YES, your online resource for auto loans. Whether you have good credit, or a past history of credit problems, our experts will work with you every step of the way to help you get the credit you deserve

auto loan,credit problems, carloan, cars, autos, bankruptcy, repossession, financing, slow credit, refin