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1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

Payment holidays are permitted

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

If you are mortgaging the purchase of your property then the lender will make it a condition that you take out their Mortgage Indemnity Insurance

Listed below are examples of some of the best deals around

The customer is charged mortgage interest on £48,000 i

The amount borrowed is subject to an interest charge, which will be quoted as a percentage

Freehold A freehold gives the buyer complete ownership of the land and buildings on it. Freeholders can therefore do what they like with their property and land, subject to general law (particularly planning control) and to the lawful rights of others. The fact that a property is available as a freehold, usually adds to the value over that of a leasehold.

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

Before the exchange of contracts, you will have to agree on a date for completion of purchase

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

The freedom to make additional payments up to the annual limits

There are many different types of mortgages and there will be one out there that best suits you

However, if the variable rate drops below your capped rate, you will benefit as your repayments will be calculated using the lower variable rate

Having difficulties obtaining a mortgage, because of CCJs, defaults, or arrears? We are experts in finding mortgages and loans for people with poor credit

There are two main factors that influence the amount you are able to borrow

Flexible Mortgages