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The inspection is limited to comparing the price being paid against similar property in the area and checking the general condition and location of the property

Capped Rate Mortgages

We are completely independent and have access to every lender and product on the market

Put the owner on the spot and see what reaction you get

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

However, most vendors are reluctant to take the hit on the full amount

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

Searches - what they should highlight Your solicitor will carry out local searches to ensure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden, any compulsory purchase orders attached to it, or any local land charges adjacent to the property you are buying

It may be the case that taking out a new loan with another lender offering better rates and terms is better than staying with your existing lender even if the redemption fee is wavered

Variable Rate Mortgages

Mortgage Intermediary A firm, organisation or individual, which helps you to choose a mortgage and introduces mortgage applications to lenders. Mortgage intermediaries are for example, mortgage brokers, estate agents, independent financial advisers, solicitors, accountants and life assurance companies. Their role is to search a range of lenders on your behalf for the best deal. Intermediaries usually receive a fee for arranging the mortgage

Mortgage Endowment Policies

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Some lenders do offer cashbacks in conjunction with other offers such as discounts or fixed rates

The seller is legally required to answer these enquiries honestly! But do they? We believe not always

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage