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There is no reason, as far as legal procedures are concerned, why this cannot be quicker

If it is going to happen then it is likely to occur between acceptance of your offer and exchange of contracts

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

The amounts can range from a flat fee e

carpets and curtains, wall lamps, etc

Borrowers with larger loans Remortgaging The Basics How we can help Information Required The Basics Becoming increasingly popular over the last ten years remortgaging is commonplace in today’s competitive mortgage market

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

You may also speak to the seller directly

Stage 3 - exchange of contracts A sale or purchase of property in England and Wales only becomes legally binding once the contracts have been exchanged

The amount is usually measured in either pounds or months

Normally a lender will require a non-refundable booking fee in advance to reserve this option

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

Generally, secured loans are much easier to obtain than unsecured loans

Suitability: An endowment policy is the most suitable option in a number of circumstances the most common being those identified below: You are a higher rate taxpayer and have utilised all your annual ISA allowance

The capital amount is to be repaid at the end of the period agreed

Before making an advance, your mortgage lender will require a valuation report as a minimum

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

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

STEP 1 - WHICH LOAN? Secured home-owner loans are available in varying amounts and for many different purposes, including debt consolidation

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

Subject to your circumstances, you may be able to borrow up to 125% of the property value

The value of these holdings will alter on a daily basis and can go down as well as up

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

This protects the lender in case you do not repay the loan and your home has to be repossessed