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The survey does not necessarily supply a property valuation, but it should highlight any defects that could end up costing a fortune to make good

No further funds can now be put into Personal Equity Plans

That is: Consider what type of mortgage you require and then find a mortgage lender you feel can offer you the best deal

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

We are experts in finding mortgages and loans for people with a problem, or poor credit history

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

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

This policy is designed to offer income protection against unemployment, sickness and redundancy

Advice on Affording a Mortgage

These will be provided for in the initial agreement

Advantages: Complete flexibility within the mortgage market allowing option to move from lender to lender should the opportunity to take advantage of more competitive rates elsewhere arise

Most lenders have a different name for this charge i

5 times a single salary and 2

The standard period is 14-28 days after exchange

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

It is common practice for lenders to pass this charge on to the borrower

An estate agent has the duty by law to inform the seller of all offers made on their property, regardless of an offer having already been accepted

So make sure you get the facts

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

Redemption Redemption of a mortgage is the process of discharging a mortgage by paying off the loan. Paying off a mortgage before the end of a mortgage term is referred to as ‘early redemption’ or ‘early repayment’ and may incur an early redemption fee. This fee may be as much as six times your normal monthly payments. There is a greater chance of incurring these fees when redeeming in the first 1-5 years of the mortgage term Residential Leases Can either be short term (typically six months or one year) or long term. A long-term lease can extend as long as 999 years. The length of the lease will affect the value of a property. If it is a short lease or anything much less than 100 years, this will be reflected in the value of the property This means that some short term leases can be seen as very good value, but effectively become rentals.

Remember, it is your responsibility to get the correct sum insured

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

The following planner will help focus on what needs be done and when

Advantages: Monthly payments can adapt to the level of monthly income you receive