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insurance and finance

Exposure to interest rate rises

Generally anything between 1 and 25 year fixed rates are available

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

Making an offer is one of the more stressful parts of buying a home

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

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it

Put the owner on the spot and see what reaction you get

In many cases, lenders offer different rates depending on the method by which you apply

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

Listed below are examples of some of the best deals around

the mortgage balance minus the positive balance held in the current account

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

Annual Versus Daily Interest Rate Calculations Some lenders offer mortgages with daily or with annual interest. The best option depends on your personal circumstances, for example if you know you will want to make overpayments or regular capital payments on your mortgage, you should probably consider a daily interest type mortgage. However, if flexibility of payment is not a requirement, annual interest may be more appropriate.

Interest only

Are you tied into the variable mortgage rate and if so for how long? What redemption penalties will you incur if you were to pay off your mortgage early? Are any other fees involved? It is also generally worthwhile letting us talk to your existing lender to look at opportunities for obtaining better rates without moving the actual loan

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Check for built-in appliances

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

You are then free to move into your new home