low rates, mortgage guide uk

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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

Buyers Market

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

The agent will be more willing to hand you properties that he can sell quickly or that are in greater demand

However in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

It is normal practice to specify in an offer exactly what moveables you want to ensure that these are included in the sale and that there is no room for miss interpretation

Note, the fee is usually non-refundable

Most recent mortgage statement or a redemption statement from your lender

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

In addition lenders frequently apply an Early Redemption Charge (ERC) for fixed rate mortgages

Especially considering that they had gone to the expense of paying for a building survey

Much depends on the agent, the seller and your confidence in your negotiation skills

At anytime of the day or night