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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

Subject to your circumstances, you may be able to borrow up to 125% of the property value

Ask the owner or agent why the sale collapsed

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

The money may only be drawn from a pension policy when the policyholder reaches retirement age

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

Pay particular attention to buildings insurance

The surveyor will not inspect inaccessible parts of the property or areas which are not already exposed

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

It acts as a form of insurance for the lender not the borrower

At the very least a mobile phone

Arrangement fees are common on fixed and capped rate mortgages

Anywhere between 1% and 12% cashback has been available

the rates for telephone applications may be different from those for online applications

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters

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

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

Base Rate The standard rate of interest set by the Bank of England which all lenders generally follow.

Your solicitor should be able to advise you on the current search time

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.

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Poor Credit & Loan Advice

Other factors may well be involved

As soon as you have found a property that you wish to make an offer on, your solicitor will note interest for you

Arrears This describes the amount the borrower is behind in his mortgage repayments schedule

- keeping them all in one place for when you need them

For example, the variable rate may be 5% with a discount of 1

This mainly occurs in a sellers market or where the property is of rare value

Remember, it is your responsibility to get the correct sum insured