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Your solicitor will also be checking the exact description of the property and any title burdens

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

They should be included in the sale

carpets and curtains

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

This payment adjustment in many cases will not occur until the lender conducts the annual review of the loan account

The period of borrowing is in excess of say 12 years

A recommendation of the building/rebuild insurance cover required should also be given

Searches - what they should highlight Your solicitor will carry out local searches to ensure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden, any compulsory purchase orders attached to it, or any local land charges adjacent to the property you are buying

At the end of the fixed rate (or ‘benefit’) period the rate will normally convert to the lenders Standard Variable Rate (SVR)

linked with a discount, but pure cashback products are not uncommon

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

The earlier you contact them, the more sympathetic they are likely to be

Homeowners with older mortgages only have to wait eight weeks to get half of their interest paid, and after 16 weeks they get it all paid

The lender can give you a settlement figure, normally over the phone

The seller in turn will most likely invite you to make an offer on or before a closing date

This policy is designed to offer income protection against unemployment, sickness and redundancy

This will depend on future investment performance

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

This rate is known as the Annual Percentage Rate (APR)

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

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

Some lenders do offer cashbacks in conjunction with other offers such as discounts or fixed rates

This possibility alone was enough to dissuade many people from becoming private landlords in the past