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However it is not necessarily the case that two lending institutions that have the same multiples available will lend the same amount of money to the same person

Interest only

Suitability: The repayment mortgage option is suitable in a number of circumstances the most common being those identified below: You do not like to expose yourself to too many financial risks

Solicitors require at least 7-10 days to release the necessary funds

Suitability: A variable rate mortgage is the most suitable option in a limited number of circumstances the most common being those identified below: Individuals borrowing money over the very short term anticipating repaying the loan early and not wishing to incur redemption penalties on all or part of the loan

If a redemption fee does apply, all is not lost

Much depends on the agent, the seller and your confidence in your negotiation skills

If the variable rate rose to say, 6%, then the rate payable would rise to 4

Borrowers with larger loans Remortgaging The Basics How we can help Information Required The Basics Becoming increasingly popular over the last ten years remortgaging is commonplace in today’s competitive mortgage market

Ask about the reason for the sale

Anywhere between 1% and 12% cashback has been available

The way lenders quote interest rates varies

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

This is more likely to occur within the first 3-5 years of the mortgage term and more common with discounted, deferred or fixed mortgages

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

Redemption penalties can prevent restructuring of your mortgage and associated finances

Ask the owner or agent why the sale collapsed

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

Some sites are also offering information about local schools, crime rates, and average property prices

If the property was purchased outright, the buyer keeps the deeds

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

Our Mortgage Calculator will allow you to see how much you can borrow and the cost of your monthly repayments

The amount will vary from lender to lender and on the size of the mortgage

This may cover issues such as disputes with neighbours

However it is possible to speed up the process by arranging a personal search

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

When registering, be aware that you a likely to receive information on other services or products

The cost of the survey is usually between £150 and £300 and provides a more in-depth inspection of a property

Before making an advance, your mortgage lender will require a valuation report as a minimum