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Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

This type of mortgage is often taken out in conjunction with other offers such as cashbacks

Overpayments and lump sum payments into your mortgage account can be made reducing both the interest and capital amounts repayable

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

Disadvantages: Holders of a Mini individual savings accounts cannot take out a Maxi, and vice versa

Information Required There are a number of common items that will be required in order to obtain a new mortgage and listed below are the most common: 3-6 months pay slips 3-6 months bank statements

It is worth noting that the average property purchase price in the UK has now hit over £100,000

It simply informs the seller of your interest

5% of the value of the property for your conveyancing

As a result the seller is in a stronger position and is likely to be less receptacle to any or significant price reduction

Not many people know that another way to find out if there have been any disputes is to visit the local council and request information pertaining to the property

One other factor on which there is a debate as to how it will be treated is the aspect of adverse credit details

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

However, in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

The amount is usually measured in either pounds or months

a 3 year fixed rate with a 5 year ERC

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

Note any parking facilities or restrictions

As a tip, note that in the UK you can only drive up to a 3 tonne vehicle before you need an HGV license

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

Tree preservation orders

These are known as regulated loans

They are more expensive than the lenders valuation