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Save £s on your buildings and home contents insurance

Considering the current market conditions Excluding the property itself, the current condition of the national market is a significant factor in the process of negotiation

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

It may also indicate how genuine the sellers are

If so, your solicitor may be able to purchase these from the buyers solicitor which will save you waiting for the searches to be carried out by the local authority and possibly save money in the process

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

If asked, the seller will let you know how they would like to proceed

What the search should highlight Any Planning notices

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

Freehold A freehold gives the buyer complete ownership of the land and buildings on it. Freeholders can therefore do what they like with their property and land, subject to general law (particularly planning control) and to the lawful rights of others. The fact that a property is available as a freehold, usually adds to the value over that of a leasehold.

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

As a result a lender may restrict the amount they are prepared to advance or place conditions on the advance

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

Borrowers who anticipate rising interest rates

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

Borrowers paying the Standard Variable Rate will have their payments increase or decrease as the lender adjusts the rate in accordance with market conditions

Any changes in the Bank of England base rate will be directly reflected in the monthly mortgage payments

A booking fee will normally be required with the application form

Be precise when filling out the registration forms

Requests your deposit

Flexible Mortgages

To obtain a mortgage in principle you will need go through the same motions as applying for an actual mortgage

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