first time buyer, home mortgage

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Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

Especially considering that they had gone to the expense of paying for a building survey

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

rooms, style, new or old etc

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

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

The seller may or may not be entertaining any new viewings, but if you have viewed the property and decided to make an offer (albeit late in the day) at least the seller will be aware of it

As soon as you have found a property that you wish to make an offer on, your solicitor will note interest for you

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

Contrary to popular believe, lenders can be flexible

Initial property enquiries This is where much time involved in selling and buying is wasted

Individuals utilising short-term finance arrangements to provide their deposit

The money may only be drawn from a pension policy when the policyholder reaches retirement age

Overtime and commission may be treated similarly

For example, setting the price range on your next home

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

conducts a local authority search to highlight planning, financial and other charges affecting the property