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It may be that administration charges, mortgage indemnity insurance, or building and contents insurance costs have been added to the amount you originally borrowed

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

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

You may also speak to the seller directly

If applicable, a redemption fee will come into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

Poor Credit & Loan Advice

Note that even after repossession the former borrower will remain liable for any sums owing (shortfall between selling price and mortgage outstanding plus arrears, lenders legal costs and any other charges applied to the mortgage) and can be pursued by the insurance company for payment at a subsequent date

Usually calculated on a daily basis and added to the loan either monthly, quarterly or annually

Your lender agrees a set rate of interest for a specified period of time

An arrangement fee is typically charged on completion of the mortgage

Are they in a chain? How quickly do they want to move? Ask if the agent has a sole agency agreement Having been satisfied with your initial enquiries, it is now time to book a viewing

Some plans are tax-efficient

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

They deal with surveyors every day and should be able to recommend a good one

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

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