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Buy to Let Mortgages

Your solicitor will also be checking the exact description of the property and any title burdens

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

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

FEATURES AND OTHER BENEFITS OFFERED WITH MORTGAGES There are other key features and benefits to be considered when determining the best mortgage for a prospective borrower

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

You may not get a straight answer, but at least the owner and agent will be aware that you know the score

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

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

In most cases, it is simply not worth it

Subject to your circumstances, you may be able to borrow up to 125% of the property value

For more information see: Searches - what they should highlight Land registration The Land Registration fee will cost from £40 to £800

There are some important facts to understand about the mortgage indemnity charge

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

If a redemption fee does apply, all is not lost

Many flexible mortgages come without any Early Redemption Charge so the borrower is not ‘locked-in’ to any particular lender

- Are school catchment areas, commuting or environment an issue? Contact a solicitor to access their quality of service