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This may be due to a number of factors, but mainly occurs due to the condition of the property

Hence an applicant paying for a valuation and then not proceeding due to, say, a poor valuation, will not have their valuation fee refunded

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

Tree preservation orders

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

Take note of the neighbours - Do they have overlooking views? Do they have pets, or caravans that may end up being a nuisance? Accept a tour by the owner or agent

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

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

The key advantage is that you should be able to track the process of the purchase online

Generally, secured loans are much easier to obtain than unsecured loans

Examine these policies carefully

Absolute title Having absolute title on a property means that you have full rights and ownership relating to the property

Agricultural Covenant A planning covenant that allows the construction of a residential dwelling provided it is to be occupied by a person employed or associated with working on the land. Properties such as this tend to attract a lower value, as they can only be sold to another person in similar circumstance unless the covenant is lifted. Annual bonus A bonus paid annually on an endowment mortgage which is dependent on the performance of the investment fund you are using to repay your mortgage.

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The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate