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Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

Written quotations are available on request

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property

Some sites are also offering information about local schools, crime rates, and average property prices

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

the rates for telephone applications may be different from those for online applications

Personal loans are repayable monthly

The customer is charged mortgage interest on £48,000 i

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

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

Compare the property with surrounding properties

Variable Rate Mortgages

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

A booking fee is paid to reserve funds on a mortgage product that has limited funds available e

This protects the lender in case you do not repay the loan and your home has to be repossessed

The lender can give you a settlement figure, normally over the phone

There is no reason why completion may not take place at the same time as exchange providing all the necessary conditions have been fulfilled

Outline Information is available free of charge, by entering a postcode

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

APR - Annual Percentage Rate An indicator which is used to compare rates of interest. It takes into account the costs involved in setting up the mortgage, any discount periods, how often interest is calculated and calculates what the average rate of interest will be over the term of the loan. All lenders that comply with the consumer credit act must ensure that the borrower is notified about the APR

Flexible mortgage rates overcome this problem by allowing the borrower to make both over and underpayments into the account

Variable Rate Mortgage

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

The main thing to do is your homework and seek specific advice relating to your circumstances from a qualified professional

All formal letters and missives go to create the contract