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Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

There are more properties on the market than there are buyers

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

The redemption fee payable is often up to six times you currently monthly repayments

It is vital therefore that you discuss this complex area with an adviser as in many circumstances a more competitive rate may be available form a lender who will be more sympathetic to your particular circumstances

Compare the property with surrounding properties

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

Disadvantages: Generally rates for capped mortgages will be slightly higher than those of the fixed rate mortgages available, although this is largely led by market forces and has not been the case in recent years

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

Preparing for Settlement As the settlement date comes near your solicitor ensures that everything is drawn together, that the funds are ready, and that there are no outstanding issues

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

In such cases there are three possible routes of action that may be of help

Current Account Mortgage

It is probably more suited to you if you do not mind this uncertainty and your budget can absorb an increase in interest rates or if you think rates will go down during the discounted period

The policy is usually highly portable and allows free movement from lender to lender

- keeping them all in one place for when you need them

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

If any adverse comments on structure or conditions arise then it is wise to obtain quotations on any remedial work required

Location : Normally an agent will ask for a number of areas Do you need finance? If not how are you financing the purchase? Is it dependant on selling a property? If you have registered with an agent and your not getting any details