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Searches are often one of the major causes of time delay

Gain an advantage view point of the roof - Does it bow or are there any tiles missing? Are there signs of any glass being recently replaced or damage to external doors? Possibly indicating signs of break-in

With this type of mortgage, only the interest is paid off with each mortgage payment

A Home Buyers report, generally suitable for most modern homes conventional in type and construction

It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

There are two basic types of endowment policy – the with profits version and the unit linked version

Base Rate Tracker Mortgages

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

For a mortgage secured on a property, insurance may be required

At least you then have the information regarding how the seller would rather proceed

These bonuses termed either annual or reversionary cannot be taken away

In many cases if approached sensibly, a happy medium can be reached

Overtime and commission may be treated similarly

Most agents are pretty determined in their approach and will be interested in selling you more than a property

Ask about the reason for the sale

Compulsory purchase orders

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances

Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all

Insurance Lenders will insist that the property is adequately insured, with a suitable Buildings Insurance Policy, as it represents security against the mortgage debt

The lender may permit over-payments and lump sum payments, which allow you to clear the loan over a shorter term than that agreed at the outset

These mortgages take the benefits of the flexible mortgage and use the funds held in the current account to offset the interest e

It may be that there is more or less demand on a certain type of property or particular estates/areas

The Lender offers a discount on the Standard Variable Rate (SVR) for a specific period of time

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

Mortgage Endowment Policies

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

The initial pay rate would therefore be 3

It is worth noting that the shorter you make the administrative process, the more organised you will need to be

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.