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Try also to avoid costly contract races where the seller accepts several offers and the first buyer to exchange contracts gets the property

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

More detailed reports are also available for a small fee

Unless these payments are guaranteed then as a rule of thumb expect that 50% will be taken into account

Just Mortgages UK will explain the many schemes available and will help you to find the most suitable option for your circumstances

A fixed rate mortgage is suitable if your mortgage repayments take up a large proportion of your income as it protects you from any sudden and unexpected rises in interest rates

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

Interest only

Disadvantages: Associated redemption penalties are restrictive

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

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

damp and timber reports, planning consents for alterations and extensions

A separate life policy will be required in most cases

It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

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

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

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

A Guide to Secured Home-Owner Loans A secured loan is any loan that requires the borrower to provide the lender with some form of security

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

The seller is legally required to answer these enquiries honestly! Prepares and sends a package of legal information and draft contract, setting out the main terms agreed, the names, price, special terms, and details of the legal ownership Requests a settlement figure for your mortgage and any other secured loans

If added to the loan then interest is charged over the duration of the loan

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Your solicitor should be able to advise you on the current search time

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

They are more expensive than the lenders valuation

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