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Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

Offers are invited above the stated price

This information is likely to have been given to the seller and will form part of there judgement of your offer

A previous buyer will only be too happy to get some of the costs back

The savings can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget

Your local borough council or solicitor will be able to provide you with the exact cost

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

Watch out – the ERC can sometimes last longer than the fixed rate period e

The idea behind the pension mortgage option is to link the amount of this lump sum to the amount borrowed

This will contain a number of conditions and other requirements that your solicitor will discuss with you

Location : Normally an agent will ask for a number of areas Do you need finance? If not how are you financing the purchase? Is it dependant on selling a property? If you have registered with an agent and your not getting any details

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

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

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

Borrowers who anticipate rising interest rates

APR may vary