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Most lenders have a different name for this charge i

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

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

Land Registry Fees Land Registry Fees are based on the purchase price of the property. The fee is effectively an administration charge for registering your ownership of the property and or land.

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

Popular in the late eighties and the nineties an endowment policy is a combination of two basic elements, namely a savings plan and a life assurance policy

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

Be aware that making an offer may have legal consequences for you

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

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

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

Buyers Market

Liaises with relevant parties and negotiates a date for completion

You never know, it could be a deciding factor involved in your decision to purchase or not

The second influence on the amount you can borrow is your current level of income

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

Proposed road works within 200 meters of the property

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

Redemption penalties can prevent restructuring of your mortgage and associated finances

First Time Home Buyers Buying your first home can be a daunting proposition

The typical cost is £50 to £100 and the search is conducted by a solicitor

If so, be bold and ask to see them