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Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

Default Failure of an individual to make payments on a mortgage at the correct time or to not comply with the mortgage companies requirements

Discounted Rate Mortgage

In addition, borrowers will need a Contents Policy that provides cover for the contents, such as carpets, TV’s, furniture etc

However, if the variable rate drops below your capped rate, you will benefit as your repayments will be calculated using the lower variable rate

12 weeks to go Try starting a notebook to record details

If you had planned on having any new furniture or appliances, order them now and if possible withhold delivery until you know exactly when you are moving in.

You have an offer on your property - The further into the processes of selling your home, the better

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

Commonly these will be between 3 and 3

However, try to include as much as possible in the negotiations

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

There is potential for higher returns than endowments

Prior to making the decision to remortgage it is important to establish a number of basic facts or the benefit of your remortgage may be significantly reduced by penalties imposed by your current lender

Plus the number of rooms in your existing home

At least you then have the information regarding how the seller would rather proceed

It is worth noting that the shorter you make the administrative process, the more organised you will need to be

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

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

Ability to benefit from rate cuts as they occur

Your mortgage lender will insist on a property survey before approving your mortgage

We specialise in helping people who find it difficult to obtain a mortgage or loan

Once the sellers conveyancer has received the funds, payment will be made to the sellers lenders to pay off any mortgage outstanding on the property

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

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.

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

Disadvantages: Associated redemption penalties are restrictive

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

29% 2 year fixed fee free, no extended ties