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5% of the value of the property for your conveyancing

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

All lenders will insist on Buildings Insurance as the very minimum

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

5 times a single salary and 2

Most insurance companies will have extended buildings cover options which are well worth considering

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

Completion Completion is the final stage of the mortgage process and occurs when the solicitor or conveyancer dealing with the purchase or remortgage is in a position to receive the mortgage funds. Daily Interest Here, the interest rate is calculated on a daily basis. By calculating and charging interest on the balance outstanding at the end of each day, you can get an immediate benefit from any payments of capital. Interest is compounded daily. It does however mean that if you miss or are late with any payments, interest will accrue immediately on the outstanding amount.

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

Unfortunately not all estate agents are ethical in this area

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

Ability to benefit from rate cuts as they occur

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only