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Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

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

Get advice on all types of loans, compare rates, or apply for a loan online

This may reveal other factors that will not appear on any formal search

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

Home Mortgage Rates

Some short term discount products offer a ‘deep discount’ e

A previous buyer will only be too happy to get some of the survey costs back

A buyer will also have to instruct a survey to be carried out on the property to establish its true condition

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

There has been a previous price reduction on the property

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

Until the seller receives these funds, the buyer may not normally have access to the property

Once the ruling has taken place it will be recorded against the persons credit history and will appear every time a credit search is done for the next seven years

In return you usually agree to pay the variable rate charged by the bank or building society, for a specified term

Outline Information is available free of charge, by entering a postcode

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Some will allow for bonuses and some will only allow 50% of bonus

In such cases the lender may decline the advance, restrict the amount they are prepared to lend or place conditions on the advance

It is vital therefore that you discuss this complex area with an adviser as in many circumstances a more competitive rate may be available form a lender who will be more sympathetic to your particular circumstances

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies