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Land Registry Fees Land Registry Fees are based on the purchase price of the property. The fee is effectively an administration charge for registering your ownership of the property and or land.

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work

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

Disadvantages: As mentioned above, any change in bank rates will be directly reflected in the monthly mortgage repayment so this type of mortgage provides no protection against any upward movement in interest rates (in contrast to fixed rate mortgages for example)

If so, ask how they were damaged or why replaced

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

This is referred to as a ‘redemption overhang’

Not many of us are likely to do it, but it can give you a good idea of what your possible future neighbours may be like

On this subject see ‘No Redemption’ and ‘No Overhang’ below

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

This will vary between lenders and products

Sometimes capped mortgages have a level below which interest rates cannot fall

The amount you repay the lender each month can be at a fixed interest rate for a certain period of time, regardless of the interest rate in the market place

Base Rate Tracker Mortgages

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

A fixed interest rate will stay the same throughout the term of your loan, regardless of any changes in the bank base rate

There are some important facts to understand about the mortgage indemnity charge

will need to be addressed during this period of pre-contract enquires

These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

A flexible mortgage linked to a current account