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Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances

They provide a detailed analysis of your financial position

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

Hence an applicant paying for a valuation and then not proceeding due to, say, a poor valuation, will not have their valuation fee refunded

They deal with surveyors every day and should be able to recommend a good one

Some sites are also offering information about local schools, crime rates, and average property prices

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For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

a first-come, first-served fixed rate

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

Suitability: A variable rate mortgage is the most suitable option in a limited number of circumstances the most common being those identified below: Individuals borrowing money over the very short term anticipating repaying the loan early and not wishing to incur redemption penalties on all or part of the loan

OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

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

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

Check to see if this applies with your lender or solicitor

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire

Disadvantages: Generally rates for capped mortgages will be slightly higher than those of the fixed rate mortgages available, although this is largely led by market forces and has not been the case in recent years

This is referred to as a ‘redemption overhang’

Whereas, on a mortgage where the interest is being calculated on a daily basis, any over-payment reduces the mortgage balance immediately hence the borrower will be charged less interest from the next day

It is probably more suited to you if you do not mind this uncertainty and your budget can absorb an increase in interest rates or if you think rates will go down during the discounted period

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

Popular in the late eighties and the nineties an endowment policy is a combination of two basic elements, namely a savings plan and a life assurance policy

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

This protects the lender in case you do not repay the loan and your home has to be repossessed

All formal letters and missives go to create the contract

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters