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This can be attributed partly to the stress of the home buying procedure, but it can also be down to mortgage tie-ins where the lender insists on you taking out their insurance

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

It may also indicate how genuine the sellers are

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

Some plans are tax-efficient

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

This will depend on future investment performance

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

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all

a 5 year discount with a 7 year ERC

Possible diversion or closure of roads or footpaths

Not many people know that another way to find out if there have been any disputes is to visit the local council and request information pertaining to the property

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

Investment managers may only be changed on an annual basis

Annual Versus Daily Interest Rate Calculations Some lenders offer mortgages with daily or with annual interest. The best option depends on your personal circumstances, for example if you know you will want to make overpayments or regular capital payments on your mortgage, you should probably consider a daily interest type mortgage. However, if flexibility of payment is not a requirement, annual interest may be more appropriate.

Check the plumbing and wiring

The increased flexibility inherent within the repayment vehicle can lead to shortfalls in relation to the amounts required owing to withdrawals having been made

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

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%)

Get advice on all types of loans, compare rates, or apply for a loan online

Normally the cashback is offered as a package of benefits e

We specialise in helping people who find it difficult to obtain a mortgage or loan