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Whilst practically the entire range of mortgage schemes are available to you with the exception of rates designed specifically for first time buyers, moving house may provide an excellent opportunity to consider what your future plans may be

Some sites are also offering information about local schools, crime rates, and average property prices

If you want to continue, find out if the previous buyer had completed the searches or any survey

With discount mortgages borrowers need to watch out for ‘payment shock’

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

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

Most recent mortgage statement or a redemption statement from your lender

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

Before the exchange of contracts, you will have to agree on a date for completion of purchase

The surveyor will not inspect inaccessible parts of the property or areas which are not already exposed

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

Your monthly repayments consist of repaying the capital amount borrowed together with accrued interest

Valuations and mortgage reports Note, a valuation is not a survey

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

Fixed Rate Mortgage

Mortgage Endowment Policies

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

Another form of insurance is Mortgage Indemnity Guarantee

Listing all the contacts involved in the move

This may cover issues such as disputes with neighbours

It may be that there is more or less demand on a certain type of property or particular estates/areas

The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures

The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

These bonuses termed either annual or reversionary cannot be taken away

We specialise in helping people who find it difficult to obtain a mortgage or loan

Having a mortgage in principle means you should be able get the actual mortgage quicker when the race to buy your chosen home begins

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

However, most vendors are reluctant to take the hit on the full amount

Insurance Lenders will insist that the property is adequately insured, with a suitable Buildings Insurance Policy, as it represents security against the mortgage debt

Each year the original capital sum will remain outstanding

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