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An investor may only hold one of each Mini in any tax year

The valuation cost is likely to be at least £150 and becomes payable as soon as you wish to proceed with buying a property

If it is going to happen then it is likely to occur between acceptance of your offer and exchange of contracts

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

However should rates increase the payments will be ‘capped’ and will not rise over the capped rate

If remedial work is required ask the owner if they have had any quotes

The savings can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

Ask how long has the property been on the market and if there has been a price reduction

This is known as an Adverse Valuation and may occur due to any number of factors, but in most cases it is connected with the condition of the property

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

Sometimes capped mortgages have a level below which interest rates cannot fall

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

Mortgage Protects Schemes If you lose your sole source of income, the reality is that you will not be able to rely on the State to help with your loan repayments

If for any reason your application is declined, may be able to direct your application to a provider who can help

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

There can be a shortfall in the fund within your investment meaning the cost of your interest only mortgage may increase over the term or alternatively you may be left with an extra sum of money to find at the end of the loan

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

This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser

If it is clear at this point, then there should be no problems further down the road when it come to draft-contract preparation

There are many reasons why a seller may want a quick sale