home improvement, home mortgage

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The solicitor will ask for your deposit and any outstanding charges to be in their hands normally 5/7 days before the date of entry

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

In particular, they provide details of county court judgements, defaults and any existing credit agreements, along with information relating to the electoral roll and your past credit history

2% fees-free offset mortgage

12 weeks to go Try starting a notebook to record details

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

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

The agent will be more willing to hand you properties that he can sell quickly or that are in greater demand

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

The amount is usually measured in either pounds or months

Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy

If applicable, a redemption fee comes into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

5%

However it is possible to speed up the process by arranging a personal search

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable