self certification, mortgage loan

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Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

A previous buyer will only be too happy to get some of the survey costs back

Overall these policies remain expensive and limited in the cover and peace of mind that they provide to borrowers

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

The proportion of UK housing stock taken by rentals stood at a low of 7% in 1989, but has grown to 11% in the ten years since

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

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

(Gazumping)

You only get this if you qualify for income support

If a redemption fee does apply, all is not lost

Be precise when filling out the registration forms

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

This is an excellent option for the self employed

5 to 3 times joint income

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

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.

Read all the details on the specification sheet