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Assuming that you have your financial preparations in place (a mortgage in principle)

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

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

For a borrower wanting one home for their finances this is an attractive option

The amounts can range from a flat fee e

We specialise in helping people who find it difficult to obtain a mortgage or loan

Be aware that making an offer may have legal consequences for you

Much depends on the agent, the seller and your confidence in your negotiation skills

Upon making an offer via the agent or directly to the seller, the experienced seller is likely to take into account several factors over and (in many cases) above the offer price itself

The current options available to you in conjunction with interest only mortgages include endowment, pension or an Individual Savings Account (ISA) Advantages: There are a variety of investment vehicles available to use to repay interest only mortgages, some offering tax advantages

An investor may only hold one of each Mini in any tax year

As a result the seller is in a stronger position and is likely to be less receptacle to any or significant price reduction

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

Negotiation with a lender is possible

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

Arriving at the property Before knocking, take a few moments to observe your first impressions

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

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

It may be that administration charges, mortgage indemnity insurance, or building and contents insurance costs have been added to the amount you originally borrowed

Be aware that valuations are just that - they are not a full structural survey

A good site will enable you to register your requirements and send you the latest property details by email

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Ask the owner or agent why the sale collapsed

The cover and cost does vary between lenders and you should check what their policy includes, and just as importantly, what it excludes

DISADVANTAGES There may be financial penalties for making lump sum/overpayments into your mortgage account

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

In many cases if approached sensibly, a happy medium can be reached

If remedial work is required ask the owner if they have had any quotes

Discounted Rate Mortgage

This is not an obligation to purchase the property

Completion Completion is the final stage of the mortgage process and occurs when the solicitor or conveyancer dealing with the purchase or remortgage is in a position to receive the mortgage funds. Daily Interest Here, the interest rate is calculated on a daily basis. By calculating and charging interest on the balance outstanding at the end of each day, you can get an immediate benefit from any payments of capital. Interest is compounded daily. It does however mean that if you miss or are late with any payments, interest will accrue immediately on the outstanding amount.

Most agents are pretty determined in their approach and will be interested in selling you more than a property