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There may need to be further formal letters before both parties are in full agreement and your offer is accepted

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

First time buyers looking for security during the first few years of setting up home

Some lenders will offer even larger cashbacks if you agree to pay a premium over the variable rate

The seller is legally required to answer these enquiries honestly! But do they? We believe not always

The skilled agent will ask a series of questions that determine how serious you are, what properties will be of interest, what else they can sell to you and how quickly they can do it

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

Written quotations are available on request

In many cases, lenders offer different rates depending on the method by which you apply

There is no guarantee with this type of mortgage

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

This is called a collar

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

The Maxi individual savings accounts combine three basic elements in one plan, with a limit of £5,000 (£7,000 in the current tax year) being placed on the investment

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

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