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a 3 year fixed rate with a 5 year ERC

In addition the interest rate charged is often lower than the usual Standard Variable Rates charged by the other more ‘traditional’ mortgage lenders

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

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

However should rates decrease the borrower will benefit from lower payments

Ask the owner or agent why the sale collapsed

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

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

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

It is best to find out the sellers position during the viewing, having plied as much information from the agent beforehand

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

If so, ask how they were damaged or why replaced

Typically as a first time buyer you may have less deposit at your disposal and may be seeking cheaper mortgage rates in the earlier years

Surveys come in three forms: Valuations, usually undertaken by the lender

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

Ask how long has the property been on the market and if there has been a price reduction

You are not looking for a guarantee of repayment at the end of the mortgage term

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

The law on moveables is quite complex

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

99% 2 year discount, no extended ties fee free remortgage