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A previous buyer will only be too happy to get some of the survey costs back

Written quotations are available on request

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

Arrears This describes the amount the borrower is behind in his mortgage repayments schedule

More detailed reports are also available for a small fee

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

It acts as a form of insurance for the lender not the borrower

6 months interest or repayment of the amount of benefit received, be it cashback or reduced interest

Frequently they can be added to the mortgage hence the fee does not become an ‘out of pocket’ expense

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid

Making an offer is one of the more stressful parts of buying a home

The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

However should rates decrease the borrower will benefit from lower payments

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

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

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

Get advice on all types of loans, compare rates, or apply for a loan online

The costs will be greater for house purchase than for remortgage

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

insurance and finance

The period of borrowing is in excess of say 12 years

At the end of the term, therefore, you will need to repay the capital

What the search should highlight Any Planning notices