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It should be noted that individual savings accounts are relatively new products and as with any piece of new legislation there is always some degree of uncertainty over its long term future

The cost of the survey is usually between £150 and £300 and provides a more in-depth inspection of a property

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

It simply informs the seller of your interest

Proposed road works within 200 meters of the property

There are some important facts to understand about the mortgage indemnity charge

A good starting point is to offer around 5% to 10% less than the asking price, although this greatly depends on market conditions

APR may vary

Location, location, location What local amenities are there? What are the local schools like? - A good school catchment area may effect property value

Remember, it is your responsibility to get the correct sum insured

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

Without an appraisal, it is going to be difficult to plan ahead

Contrary to popular believe, lenders can be flexible

You may not get a straight answer, but at least the owner and agent will be aware that you know the score

5%

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

You may also speak to the seller directly

Unfortunately not all estate agents are ethical in this area

Individuals utilising short-term finance arrangements to provide their deposit

Anywhere between 1% and 12% cashback has been available

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

Ask about the reason for the sale

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments

Watch out – the ERC can sometimes last longer than the fixed rate period e

Other Benefits A whole range of other benefits can be applied to mortgages including the significant benefits of no Mortgage Indemnity Charge and no Early Redemption Charge