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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

Title searches at the Land Registry will also be carried out

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

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

Whereas in Scotland, the survey is completed before making a formal offer

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

Suitability: A cash back mortgage is the most suitable option in a number of circumstances the most common being those identified below:

First time buyers

The lender may permit over-payments and lump sum payments, which allow you to clear the loan over a shorter term than that agreed at the outset

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

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

Insurance Lenders will insist that the property is adequately insured, with a suitable Buildings Insurance Policy, as it represents security against the mortgage debt

The customer is charged mortgage interest on £48,000 i

The cost is usually dependent upon the type and size of property, but expect to pay between £300 - £800

The survey does not necessarily supply a property valuation, but it should highlight any defects that could end up costing a fortune to make good

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

Plan and think ahead

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

A booking fee will normally be required with the application form

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

damp and timber reports, planning consents for alterations and extensions

They deal with surveyors every day and should be able to recommend a good one

The amount is usually measured in either pounds or months

5%

Disadvantages: Associated redemption penalties are restrictive

How long does your present fixed, discounted or capped rate last for

Proceedings relating to any infringement of building regulations

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

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

It can be done, but much depends on the lender