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The initial pay rate would therefore be 3

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

All lenders will insist on buildings insurance as the very minimum

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

First time buyers looking for security during the first few years of setting up home

They are also generally linked to variable rates and so reductions in your mortgage payments in the early years may not be possible with this type of product

Surveys come in three forms: Valuations, usually undertaken by the lender

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

In the past some lenders have made their insurance compulsory with some very competitive mortgage products although this is less common now

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

By stating this you are not obligated to proceed until the conclusion of the survey and the exchange of signed contracts

The key advantage is that you should be able to track the process of the purchase online

This will vary between lenders and products

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

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

A capped rate mortgage is very similar to a fixed except that if the variable rate drops below the capped rate, the borrower will make payments based on the lower variable rate

Ask about the sellers position

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

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

The earlier you contact them, the more sympathetic they are likely to be

The offer includes the purchase price, date of entry, alterations and specialist works together with any inclusions such as carpets and curtains etc

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase