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

How long they been there and have there been any disputes? Internal Observations Does the property have central heating? If so, check when it was installed and last serviced

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

Cashback Mortgages

This means that all bank rates cuts are automatically passed on to the borrower

You can choose cover according to your needs

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 seller may or may not be entertaining any new viewings, but if you have viewed the property and decided to make an offer (albeit late in the day) at least the seller will be aware of it

Advice on Affording a Mortgage

Prior to making the decision to remortgage it is important to establish a number of basic facts or the benefit of your remortgage may be significantly reduced by penalties imposed by your current lender

Ask the seller or agent when the previous buyer pulled out and if recent, ask your conveyancer whether it is advisable to purchase the previous searches

Particularly furnishings and fittings,

The lender can give you a settlement figure, normally over the phone

For a borrower wanting one home for their finances this is an attractive option

The key thing is to talk with your lender

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy

An investor may only hold one of each Mini in any tax year

As a tip, note that in the UK you can only drive up to a 3 tonne vehicle before you need an HGV license

Know which location/s you prefer

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

The amount you repay the lender each month can be at a fixed interest rate for a certain period of time, regardless of the interest rate in the market place

ADVANTAGES At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid

Whether the property is a listed building or in a conservation area