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More detailed reports are also available for a small fee

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

If so, ask how they were damaged or why replaced

Bridging Loan A bridging loan is a sum of money borrowed for a limited period of time to enable you to buy a new property before selling your old one. Interest rates charged tend to be higher than normal and a bridging loan shouldn’t be taken out lightly.

Normally just complete a form online and a price is given

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

Base Rate Tracker Mortgages

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

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

Customers cashing-in an endowment policy in the first few years after inception can receive less than the amount invested

Note that even after repossession the former borrower will remain liable for any sums owing (shortfall between selling price and mortgage outstanding plus arrears, lenders legal costs and any other charges applied to the mortgage) and can be pursued by the insurance company for payment at a subsequent date

c) A combination of the above

It will not protect you to the same degree, but if speed is of the essence, it can save weeks

The typical cost is £50 to £100 and the search is conducted by a solicitor

Find out what else is included in the sale

Some of the newer entrants into this sector are also linking savings accounts, credit cards and personal loans into the mix

Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee

A number of these flexible mortgages may also offer the ability to operate your mortgage account as a bank account with the option to make withdrawals in certain circumstances

You can choose cover according to your needs

This tends to be between £25 - £50 and may be avoided if enough objections were made

Individuals utilising short-term finance arrangements to provide their deposit

Some websites are also offering information about local schools, crime rates, and average property prices

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

Advantages: The potential reduction in your level of borrowings means that over the entire term of your mortgage substantial savings can be made on your overall mortgage payments, or you may be able to pay the mortgage off early

Discounted Rate Mortgage