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Dealing with adverse valuations Adverse valuations occur in certain instances where the valuation figure is lower than purchase price of the property

Listing all the contacts involved in the move

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

Your solicitor will also be checking the exact description of the property and any title burdens

The seller in turn will most likely invite you to make an offer on or before a closing date

For example; It may be that the property is located on the local pub route and returning merry singers (or worse) could end up becoming a nuisance

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

Without going into detail to explain this feature the up-shot is that over-paying the mortgage on a monthly or regular basis, even by a relatively small amount, will reduce your mortgage term by years (hence saving payments)

Normally a lender will require a non-refundable booking fee in advance to reserve this option

If you had planned on having any new furniture or appliances, order them now and if possible withhold delivery until you know exactly when you are moving in.

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

The main thing to do is your homework and seek specific advice relating to your circumstances from a qualified professional

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

The lender can give you a settlement figure, normally over the phone

This is widely accepted as the most straightforward of the mortgage options

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

Compulsory purchase orders