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

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

Most mortgage schemes, in return for offering you a lower initial rate, will require you to stay with that scheme at least for the period of the Discount, Fix or Cap, and often longer

There are some important facts to understand about the mortgage indemnity charge

Written quotations are available on request

There is no guarantee with this type of mortgage

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

In many cases, lenders offer different rates depending on the method by which you apply

Setting the completion date The standard time between exchange of contracts and completion is four weeks

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

This payment adjustment in many cases will not occur until the lender conducts the annual review of the loan account

In the past some lenders have made their insurance compulsory with some very competitive mortgage products although this is less common now

Some lenders will offer even larger cashbacks if you agree to pay a premium over the variable rate

Receives search results and deals with any problems revealed

Be prepared

Instantly compare hundreds of credit cards and rates to help you choose the best deal

This is the rate that they apply to all their borrowers before making adjustments for any special offers that may be available at the time and should be examined in every case before making the final decision regarding the choice of lender

All lenders will insist on buildings insurance as the very minimum

First time buyers looking for security during the first few years of setting up home

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

This mainly occurs in a sellers market or where the property is of rare value

5%

Investment managers may only be changed on an annual basis

Once the sellers conveyancer has received the funds, payment will be made to the sellers lenders to pay off any mortgage outstanding on the property