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On this subject see ‘No Redemption’ and ‘No Overhang’ below

There has been a previous price reduction on the property

At the very least a mobile phone

OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

Base Rate Tracker Mortgages

a 5 year discount with a 7 year ERC

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

Your solicitor should be able to advise you on the current search time

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

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

In this, the seller agrees to a period during which they promise not to enter an agreement with anybody else

c) A combination of the above

To take advantage of the offer the mortgage applicant will normally need to use a firm of solicitors or licenced conveyancers nominated by the lender

Stage 2 - Assessment of draft contracts This is the point at where both parties solicitors negotiate the deposit payable on exchange of contracts, the time between exchange and completion and any allowance by the seller to let the buyer have access to the property ahead of time

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

This means that a mortgage with, for example, a discount to 31st January 2006 will have a redemption charge to either the same date or a date prior to this

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

Providing all payments are made in full, at the end of the term, no capital will remain outstanding

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee

Contrary to popular believe, lenders can be flexible

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

In such cases the lender may decline the advance, restrict the amount they are prepared to lend or place conditions on the advance

Mortgage Protects Schemes If you lose your sole source of income, the reality is that you will not be able to rely on the State to help with your loan repayments