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Investment managers may only be changed on an annual basis

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers

This protects the lender in case you do not repay the loan and your home has to be repossessed

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

Know which location/s you prefer

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

Buy to Let Mortgages

Payment holidays are permitted

Outline information is available free of charge, by entering a postcode

a £47,500 mortgage on a purchase price / valuation of £50,000 would result in a £750 charge on a typical MIG charge of 7

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

If the variable rate rose to say, 6%, then the rate payable would rise to 4

Arriving at the property Before knocking, take a few moments to observe your first impressions

Overall these policies remain expensive and limited in the cover and peace of mind that they provide to borrowers

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

Normally a lender will require a non-refundable booking fee in advance to reserve this option

5%

Discounted Rate Mortgage

Read all the details on the specification sheet

The most important fact about an interest only mortgage is that the monthly repayments do not repay any of the outstanding capital balance

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

A valuation of the property is supplied based on the approximate market value of the property

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term

Possible diversion or closure of roads or footpaths