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The process of registration is usually conducted via a solicitor

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

If you do have difficulty making your repayments you should seek advice from your lender immediately

This is an excellent option for the self employed

So we know our specialist advisers can provide you with the mortgage that best suits your needs

If the property was purchased outright, the buyer keeps the deeds

A buildings policy covers against storm damage, fire, flooding etc and relates to the fabric of the house or flat etc

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

This is widely accepted as the most straightforward of the mortgage options

Advantages: Generally, the rate charged will be lower than the variable rate applicable under a standard mortgage

The level of taxation rises according to the property/land price

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

To obtain a mortgage in principle you will need go through the same motions as applying for an actual mortgage

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

What the search should highlight Any Planning notices

- keeping them all in one place for when you need them

29% 2 year fixed fee free, no extended ties

Variable Rate Mortgages

Outline information is available free of charge, by entering a postcode

Further fees such as arrangement fees are also frequently experienced with this type of rate

99% 2 year discount, no extended ties fee free remortgage