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5% of the value of the property for your conveyancing

Other factors may well be involved

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Advice on Affording a Mortgage

All formal letters and missives go to create the contract

Flexible Mortgages

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable

Overall these policies remain expensive and limited in the cover and peace of mind that they provide to borrowers

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

Proceedings relating to any infringement of building regulations

That is: Consider what type of mortgage you require and then find a mortgage lender you feel can offer you the best deal

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

rooms, style, new or old etc

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees

Searches - what they should highlight Your solicitor will carry out local searches to ensure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden, any compulsory purchase orders attached to it, or any local land charges adjacent to the property you are buying

Instantly compare hundreds of credit cards and rates to help you choose the best deal

This will vary between lenders and products

This is usually linked to the amount of cashback provided

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

Avoidance of early redemption penalties

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

It acts as a form of insurance for the lender not the borrower

Lockout agreements and contract races Preferable at the time of offer try to ensure that the agent and the seller agrees that higher offers will not be entertained (gazumping)

The cost of this is therefore to be taken into account when selecting a lender

you as a loyal customer with a new loan

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

The market conditions are in your favour (see details above)

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns