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Information Required There are a number of common items that will be required in order to obtain a new mortgage and listed below are the most common: 3-6 months pay slips 3-6 months bank statements

A good starting point is to offer around 5% to 10% less than the asking price, although this greatly depends on market conditions

For borrowers moving house regularly, this can result in little of the capital being paid off

Ensure that you know how the settlement figure is made up

It may also give you a good indication regarding the seriousness of intent to sell

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

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

Interest only

There are limits applied to all contributions

The money is then paid back to the Lender over a fixed period of time together with accrued interest

The mortgage like most others is portable should you move house, and providing you maintain the payments for the entire term of the mortgage you are guaranteed to repay the loan at the end of your selected period of borrowing

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property

These are known as regulated loans

carpets and curtains, wall lamps, etc

The seller may or may not be entertaining any new viewings, but if you have viewed the property and decided to make an offer (albeit late in the day) at least the seller will be aware of it

Any changes in the Bank of England base rate will be directly reflected in the monthly mortgage payments

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

In either case, having prepared the ground an agent will notice that you have put some work into sorting a few thing out, thus take you seriously