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Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

If it is going to happen then it is likely to occur between acceptance of your offer and exchange of contracts

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

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

The period an Early Redemption Charge applies can vary

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

SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

This is the rate that they apply to all their borrowers before making adjustments for any special offers that may be available at the time and should be examined in every case before making the final decision regarding the choice of lender

So make sure you get the facts

We have a Support Team who can be contacted by telephone should you require any further assistance along the way

At this point a survey will need to be arranged so that a firm and informed offer may be made

The Maxi individual savings accounts combine three basic elements in one plan, with a limit of £5,000 (£7,000 in the current tax year) being placed on the investment

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

This mainly occurs in a sellers market or where the property is of rare value

Booking fees are often non-refundable, so if the mortgage applicant cancels the mortgage application before completion the fee will not be reimbursed

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

A booking fee is paid to reserve funds on a mortgage product that has limited funds available e

Once contracts have been exchanged, bankruptcy searches on both the buyer and the seller will be carried out

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

A survey carried out by the mortgage lender should indicate what sum to insure