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It is common practice for lenders to pass this charge on to the borrower

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

Note that even after repossession the former borrower will remain liable for any sums owing (shortfall between selling price and mortgage outstanding plus arrears, lenders legal costs and any other charges applied to the mortgage) and can be pursued by the insurance company for payment at a subsequent date

The inspection is limited to comparing the price being paid against similar property in the area and checking the general condition and location of the property

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

Frequently they can be added to the mortgage hence the fee does not become an ‘out of pocket’ expense

At this point a survey will need to be arranged so that a firm and informed offer may be made

It is important to note that comment within the report is limited to those areas that are considered accessible at inspection

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

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

Obtains the title deeds, which are normally held by the building society and asks you to fill in a detailed questionnaire