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It may also indicate how genuine the sellers are

If you have any doubts check with the lender

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

you as a loyal customer with a new loan

Examine these policies carefully

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

In certain instances the valuation figure returned by the surveyor may not equal the purchase price

This is a fantastic time saver

See FAQs for more details

ISA The Individual Savings Account (ISA) is a tax free method of saving

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

Switching between provider can only be completed on an annual basis and penalties may be incurred

This can lead to an individual paying interest on a mortgage for in excess of 25 years, which is generally an unnecessary expense

Advantages: The potential reduction in your level of borrowings means that over the entire term of your mortgage substantial savings can be made on your overall mortgage payments, or you may be able to pay the mortgage off early

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

At the very least a mobile phone

Anywhere between 1% and 12% cashback has been available

This information is likely to have been given to the seller and will form part of there judgement of your offer

Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund