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Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

This may be due to a number of factors, but mainly occurs due to the condition of the property

If the variable rate rose to say, 6%, then the rate payable would rise to 4

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

Individuals utilising short-term finance arrangements to provide their deposit

By stating this you are not obligated to proceed until the conclusion of the survey and the exchange of signed contracts

The agent will be more willing to hand you properties that he can sell quickly or that are in greater demand

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

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make

Its purpose is to verify and record legal ownership of the property and to record any securities (mortgages) or conditions adversely affecting the property

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

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

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

Your local agent can give you a good idea here