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It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

ADVANTAGES At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

a) Inform the vendor/agent about the dilemma to see if an agreement can be made regarding a reduction in the sale price

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

Usually calculated on a daily basis and added to the loan either monthly, quarterly or annually

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

In England and Wales a survey is normally made after the offer has been accept subject to contract

The valuation does not represent a detailed inspection

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Including gas and electric suppliers and insurance companies etc

Choosing the correct survey Choosing the correct survey depends on the requirements of the lender and the property itself

Being hit by an unexpected redemption fee can put a serious dent into your finances

Payment is either up front, or added to the overall loan

At the end of the fixed rate (or ‘benefit’) period the rate will normally convert to the lenders Standard Variable Rate (SVR)

We are experts in finding mortgages and loans for people with a problem, or poor credit history

The law on moveables is quite complex

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers

Whether the property is a listed building or in a conservation area

Location, location, location What local amenities are there? What are the local schools like? - A good school catchment area may effect property value