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This tends to be between £25 - £50 and may be avoided if enough objections were made

Particularly furnishings and fittings,

A survey carried out by the mortgage lender should indicate what sum to insure

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

Borrowers will be required to remain on the lenders variable rate of interest for a pre-determined period of time

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

Exposure to interest rate rises

With this type of mortgage, interest may be calculated on a daily or weekly basis

They will also find that the mortgages they can get will be at a higher interest rate

However, try to include as much as possible in the negotiations

How much do these policies cost? Expect to pay around £5 for every £100 of your mortgage bill

conducts a local authority search to highlight planning, financial and other charges affecting the property

Just offer independent advice with regard to over 4,600 mortgage products

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

The cost of this is therefore to be taken into account when selecting a lender

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED ON IT

In addition, borrowers will need a Contents Policy that provides cover for the contents, such as carpets, TV’s, furniture etc

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

Overtime and commission may be treated similarly

Your lender agrees a set rate of interest for a specified period of time

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

Each case should be taken on its own merits

This is known as an Adverse Valuation and may occur due to any number of factors, but in most cases it is connected with the condition of the property

These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

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

There are some important facts to understand about the mortgage indemnity charge

Find out what else is included in the sale

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

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