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Title searches at the Land Registry will also be carried out

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

Check the plumbing and wiring

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available

Your solicitor will also be checking the exact description of the property and any title burdens

Some plans are tax-efficient

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

Interest only

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

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

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

Some will allow for bonuses and some will only allow 50% of bonus

- Are school catchment areas, commuting or environment an issue? Contact a solicitor to access their quality of service

It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

For example; It may be that the property is located on the local pub route and returning merry singers (or worse) could end up becoming a nuisance

Most insurance companies will have extended buildings cover options which are well worth considering

Booking Fee and Arrangement Fee Both are up-front fees charges levied at the outset of the mortgage

More detailed reports are also available for a small fee

Financial charges relating to work undertaken by the local authority, such as road works or repairs to dangerous buildings

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.