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It is still possible to have up-front charges for discounted products and an Early Redemption Charge is common

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

More detailed reports are also available for a small fee

Advantages: The fixed rate provides the security of knowing the exact monthly cost of your loan for a set period

First time buyers looking for security during the first few years of setting up home

Irrespective of movements in the interest rate your monthly payments will not change

It is worth noting that the average property purchase price in the UK has now hit over £100,000

We are experts in finding mortgages and loans for people with a problem, or poor credit history

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

A good starting point is to offer around 5% to 10% less than the asking price, although this greatly depends on market conditions

Whether the property is a listed building or in a conservation area

They should be included in the sale

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

Overtime and commission may be treated similarly

Interest only

This may have the effect of reducing the length of time it takes to repay your mortgage

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make

This means that the lender can claim part or all of its ‘losses’ incurred repossessing the property from the insurance company providing the MIG cover

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