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Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

Once the ruling has taken place it will be recorded against the persons credit history and will appear every time a credit search is done for the next seven years

This will result in situations where there is no method of paying off the mortgage and the lender will only become aware at the end of the mortgage term

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

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

Surveys come in three forms: Valuations, usually undertaken by the lender

Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed

At this point you will need to pay your share of the property purchase to your solicitor who will exchange this and the money from the mortgage provider for the Disposition (or Title Deed)

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

So make sure you get the facts

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

FEATURES AND OTHER BENEFITS OFFERED WITH MORTGAGES There are other key features and benefits to be considered when determining the best mortgage for a prospective borrower

Check the plumbing and wiring

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

There is a wide range of contents insurance options and packages on the market

Mortgage Protects Schemes If you lose your sole source of income, the reality is that you will not be able to rely on the State to help with your loan repayments

Receives mortgage offer and deals with all the conditions on your behalf

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

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

Investment managers may only be changed on an annual basis

The borrower also takes out at the same time, an alternative ‘repayment vehicle’ (method of paying off the mortgage) such as an ISA, pension plan or endowment policy

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

The market conditions are in your favour (see details above)

Liaises with relevant parties and negotiates a date for completion

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments