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Charges can be significant

Most lenders have a different name for this charge i

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

This can save hours of waiting on the phone trying to get to speak to your conveyancer

Variable Rate Mortgage

Setting the completion date The standard time between exchange of contracts and completion is four weeks

More detailed reports are also available for a small fee

Being hit by an unexpected redemption fee can put a serious dent into your finances

On this subject see ‘No Redemption’ and ‘No Overhang’ below

OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

There is no reason why completion may not take place at the same time as exchange providing all the necessary conditions have been fulfilled

Bridging Loan A bridging loan is a sum of money borrowed for a limited period of time to enable you to buy a new property before selling your old one. Interest rates charged tend to be higher than normal and a bridging loan shouldn’t be taken out lightly.

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

If you have any doubts check with the lender

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

This is widely accepted as the most straightforward of the mortgage options

It is a basic inspection undertaken by a valuer on behalf of the lender for the purpose of determine whether a property is a sound investment on their behalf

No further funds can now be put into Personal Equity Plans

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage