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coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

It is likely that the first payment will be double the normal monthly payment due to the requirement to pay a month in arrears by most lenders

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

Variable Rate Mortgages

In return you usually agree to pay the variable rate charged by the bank or building society, for a specified term

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

Suitability: A cash back mortgage is the most suitable option in a number of circumstances the most common being those identified below:

First time buyers

There are more properties on the market than there are buyers

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

Try also to avoid costly contract races where the seller accepts several offers and the first buyer to exchange contracts gets the property

You only get this if you qualify for income support

Receive replies to questions raised and reports to you with the contract for signing

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

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

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

Usually this type of flexible mortgage will also calculate interest daily meaning that you will see an immediate impact of any overpayments that you make

carpets and curtains, wall lamps, etc

damp and timber reports, planning consents for alterations and extensions

Your local agent can give you a good idea here

a first-come, first-served fixed rate

Buy To Let Mortgages Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment. These are normally second mortgages. The rates charged on second mortgages tend to be about 0.5% to 1% higher than first-home mortgages, so it is likely that you will pay more for your loan on a Buy To Let Scheme. This is due to the nature of the loan, which is considered a higher risk for the lender. Lenders also tend to require larger deposits as most will lend only 75% of the property value though some may go as high as 85%. You are required to meet certain criteria, which vary from lender to lender, but fundamentally your application will be based on 1) Your income versus all existing loans. 2) The anticipated rental income covering a certain percentage of the loan interest payment. 3) Plus the normal credit checks etc.

Buyers should also be aware that they are responsible for the insurance of the property after the exchange of contracts

you as a loyal customer with a new loan

Interest is far more likely to be calculated on a daily basis