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This may reveal other factors that will not appear on any formal search

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

Some lenders will offer even larger cashbacks if you agree to pay a premium over the variable rate

Fortunately there are a number of mortgage deals promoted by lenders aimed specifically at first time buyers

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

At least you then have the information regarding how the seller would rather proceed

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

Advantages: Monthly payments can adapt to the level of monthly income you receive

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

At Just we can complete a full analysis of the market using the most up to date information available

At the end of the policy term there will be a final one off bonus called the terminal bonus which may in some instances represent a large proportion of the borrowers final pay out

This will vary between lenders and products

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out