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Proceedings relating to any infringement of building regulations

If you have a mortgage, the lender will insist that you take out this type of policy

There are two main factors that influence the amount you are able to borrow

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

It may be that there is more or less demand on a certain type of property or particular estates/areas

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

The period of borrowing is in excess of say 12 years

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

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

The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

When registration is complete, the title deed to your lender for safekeeping

The costs will be greater for house purchase than for remortgage

a 3 year fixed rate with a 5 year ERC

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

If you have any doubts check with the lender