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Being hit by an unexpected redemption fee can put a serious dent into your finances

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

This possibility alone was enough to dissuade many people from becoming private landlords in the past

Mortgage lenders are pretty strict on what kind of survey they require and who completes the survey

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

All formal letters and missives go to create the contract

Arrangement fees Arrangement fees are normally charged by the lender for reserving a discounted or fixed interest rate mortgage for a given period of time

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

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours

The survey does not necessarily supply a property valuation, but it should highlight any defects that could end up costing a fortune to make good

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

In England and Wales a survey is normally made after the offer has been accept subject to contract

Try not to widen your search in too much

Many flexible mortgages come without any Early Redemption Charge so the borrower is not ‘locked-in’ to any particular lender

You can choose cover according to your needs

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc