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Receives search results and deals with any problems revealed

In addition the interest rate charged is often lower than the usual Standard Variable Rates charged by the other more ‘traditional’ mortgage lenders

The cost of this is therefore to be taken into account when selecting a lender

The initial pay rate would therefore be 3

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

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

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

Read all the details on the specification sheet

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

Most insurance companies will have extended buildings cover options which are well worth considering

How long they been there and have there been any disputes? Internal Observations Does the property have central heating? If so, check when it was installed and last serviced

It is important to note that this is not an official search

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

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

The skilled agent will ask a series of questions that determine how serious you are, what properties will be of interest, what else they can sell to you and how quickly they can do it

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

Buy to Let Mortgages

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

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

Ask why the current owners are selling the property

Your local agent can give you a good idea here

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

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

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

Advantages: With the built in life assurance and in most cases critical illness insurance the overall cost is usually lower

In summary you will find numerous different methods of calculating the maximum LTV but the figure once stated is usually non-negotiable

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

This can lead to an individual paying interest on a mortgage for in excess of 25 years, which is generally an unnecessary expense

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

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

The costs will be greater for house purchase than for remortgage