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It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

Receives search results and deals with any problems revealed

Home working equipment cover

Your solicitor should be able to advise you on the current search time

5 times a single salary and 2

Ask the owner or agent why the sale collapsed

Typically as a first time buyer you may have less deposit at your disposal and may be seeking cheaper mortgage rates in the earlier years

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

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

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

It is likely that the first payment will be double the normal monthly payment due to the requirement to pay a month in arrears by most lenders

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

There are two main factors that influence the amount you are able to borrow

Flexible mortgage Cashback Fixed Discounted Capped

At Just we can complete a full analysis of the market using the most up to date information available

The surveyor will not inspect inaccessible parts of the property or areas which are not already exposed

Ask the seller or agent when the previous buyer pulled out and if recent, ask your conveyancer whether it is advisable to purchase the previous searches