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Are there any guarantees not held with the title deeds? i

Your local borough council or solicitor will be able to provide you with the exact cost

For example, setting the price range on your next home

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

Variable rate mortgages Most lenders have a set rate of interest known as the standard variable rate which they adjust as the Bank of England increases or lowers interest rates

We have a Support Team who can be contacted by telephone should you require any further assistance along the way

Ask about the reason for the sale

Choosing the correct survey Choosing the correct survey depends on the requirements of the lender and the property itself

The freedom to make additional payments up to the annual limits

5 to 3 times joint income

The money is then paid back to the Lender over a fixed period of time together with accrued interest

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

This tends to be between £25 - £50 and may be avoided if enough objections were made

The plan holder can then draw a pension from the balance of the fund

Buy To Let Mortgages Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment. These are normally second mortgages. The rates charged on second mortgages tend to be about 0.5% to 1% higher than first-home mortgages, so it is likely that you will pay more for your loan on a Buy To Let Scheme. This is due to the nature of the loan, which is considered a higher risk for the lender. Lenders also tend to require larger deposits as most will lend only 75% of the property value though some may go as high as 85%. You are required to meet certain criteria, which vary from lender to lender, but fundamentally your application will be based on 1) Your income versus all existing loans. 2) The anticipated rental income covering a certain percentage of the loan interest payment. 3) Plus the normal credit checks etc.

The value of these holdings will alter on a daily basis and can go down as well as up

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

In this, the seller agrees to a period during which they promise not to enter an agreement with anybody else

Borrowers with larger loans Remortgaging The Basics How we can help Information Required The Basics Becoming increasingly popular over the last ten years remortgaging is commonplace in today’s competitive mortgage market

Commonly these will be between 3 and 3