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An estate agent has the duty by law to inform the seller of all offers made on their property, regardless of an offer having already been accepted

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

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

Borrowers confident that the mortgage rate is likely to fall

This policy is designed to offer income protection against unemployment, sickness and redundancy

In summary you will find numerous different methods of calculating the maximum LTV but the figure once stated is usually non-negotiable

Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee

A booking fee will normally be required with the application form

These are known as regulated loans

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

However should rates decrease the borrower will benefit from lower payments

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

A flexible mortgage linked to a current account

That is: Consider what type of mortgage you require and then find a mortgage lender you feel can offer you the best deal

When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund

It may be possible to renegotiate the price of the property taking into account to costs of any work required

For example, the variable rate may be 5% with a discount of 1

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

When lenders quote their APRs they will state whether these are typical or whether they are set at one rate for all successful applicants, regardless of the risk they present

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