first time buyer, cheap mortgage uk

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- Are school catchment areas, commuting or environment an issue? Contact a solicitor to access their quality of service

damp and timber reports, planning consents for alterations and extensions

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

If asked, the seller will let you know how they would like to proceed

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

Ask the owner or agent why the sale collapsed

Offers are invited above the stated price

Irrespective of movements in the interest rate your monthly payments will not change

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund

Ask about the sellers position

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

Often mistakenly called an endowment mortgage, interest only mortgages are loans where the lender agrees to charge purely interest throughout the term of the mortgage

This is the rate that they apply to all their borrowers before making adjustments for any special offers that may be available at the time and should be examined in every case before making the final decision regarding the choice of lender

Possibility of losing out should interest rates fall below your agreed rate

The date and actual time of day of completion is quite specific and relies absolutely on the transfer of money

It is also worth pointing out that historically the returns on endowment policies have been pretty good (provided they go full term)

5%

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it