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Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

Unfortunately not all estate agents are ethical in this area

It is a basic inspection undertaken by a valuer on behalf of the lender for the purpose of determine whether a property is a sound investment on their behalf

STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

Not many people know that another way to find out if there have been any disputes is to visit the local council and request information pertaining to the property

Imagine each room empty

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

Redemption penalties can prevent restructuring of your mortgage and associated finances

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable

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

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

Stage 3 - exchange of contracts A sale or purchase of property in England and Wales only becomes legally binding once the contracts have been exchanged

£200 to a percentage of the loan e

In addition lenders frequently apply an Early Redemption Charge (ERC) for fixed rate mortgages

The increased flexibility inherent within the repayment vehicle can lead to shortfalls in relation to the amounts required owing to withdrawals having been made

There are limits applied to all contributions

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

At least you then have the information regarding how the seller would rather proceed

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