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Valuations and mortgage reports Note, a valuation is not a survey

All lenders will have a set formula that they use to calculate the amount they will be willing to lend which is usually expressed as a multiple of your income

All mortgage lenders require an official search to be carried out

Mortgage lenders are pretty strict on what kind of survey they require and who completes the survey

ARLA - The The Association of Residential Letting Agents (ARLA) is a self-regulating body, which is solely concerned with lettings. In the event of unresolved disputes, the ARLA offers arbitration for landlords and tenants who use ARLA member firms. more info: http://www.arla.co.uk Arrangement Fee Sometime referred to as an Application Fee. The fee is an amount of moneylenders charge for arranging a mortgage. It may include administration costs and normally varies from one particular mortgage product to another.

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

There are many different types of mortgages and there will be one out there that best suits you

Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

the rates for telephone applications may be different from those for online applications

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

As a consequence of not being ‘locked-in’, the rate offered on these schemes will usually not be as competitive as for mortgages with redemption penalties, making them most suitable for those who are likely to keep track of current rates and wish to remortgage quickly if they find a better rate, or those who may have to repay their loan in the first few years

These bonuses termed either annual or reversionary cannot be taken away

Disadvantages: The amount of your debt does not decrease over time, unlike the repayment mortgage option

If so, your solicitor may be able to purchase these from the buyers solicitor which will save you waiting for the searches to be carried out by the local authority and possibly save money in the process

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs