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

This mainly occurs in a sellers market or where the property is of rare value

you as a loyal customer with a new loan

It is common practice for lenders to pass this charge on to the borrower

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

Personal Possessions (including cash) on an all risk basis, in and outside the home

Demand for housing is higher than the property available

Requests your deposit

No buyer should rely solely on the information provided by a mortgage valuation especially when purchasing a large or old property

It occurs when the seller accepts a higher offer from another buyer after already having accepted yours

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

Some will allow for bonuses and some will only allow 50% of bonus

This means that the lender can claim part or all of its ‘losses’ incurred repossessing the property from the insurance company providing the MIG cover

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

A fixed rate mortgage is suitable if your mortgage repayments take up a large proportion of your income as it protects you from any sudden and unexpected rises in interest rates

Loans secured against property that is already mortgaged are known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges

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

Overpayments and lump sum payments into your mortgage account can be made reducing both the interest and capital amounts repayable

Larger borrowings

Contrary to popular believe, lenders can be flexible

There is also the potential to receive a tax-free lump sum once the capital amount owing has been repaid, or to reduce the term of the mortgage if the target amount is achieved early

First Time Home Buyers Buying your first home can be a daunting proposition

Having a mortgage in principle means you should be able get the actual mortgage quicker when the race to buy your chosen home begins

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

These are more detailed than a lender valuation but they produced on behalf of the applicant