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Written quotations are available on request

Should your lender waver or reduce the redemption fee then it is likely that it would be on condition of keeping your business with them

They provide a detailed analysis of your financial position

Personal Possessions (including cash) on an all risk basis, in and outside the home

What the search should highlight Any Planning notices

APR - Annual Percentage Rate An indicator which is used to compare rates of interest. It takes into account the costs involved in setting up the mortgage, any discount periods, how often interest is calculated and calculates what the average rate of interest will be over the term of the loan. All lenders that comply with the consumer credit act must ensure that the borrower is notified about the APR

How much do these policies cost? Expect to pay around £5 for every £100 of your mortgage bill

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

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

The costs will be greater for house purchase than for remortgage

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

OTHER TERMINOLOGY Adverse Credit If a borrower has a history of poor credit usage then this is described as Adverse Credit

The key thing is to talk with your lender

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

However, if the variable rate drops below your capped rate, you will benefit as your repayments will be calculated using the lower variable rate

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

So as a rough ‘rule of thumb’ a capped rate is better to have than a fixed if all other factors are equal

Proposed road works within 200 meters of the property

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

Save £s on your buildings and home contents insurance

The cost of the survey is usually between £150 and £300 and provides a more in-depth inspection of a property

Areas to pay particular attention to in selecting your cover are: Cover for any accidental damage

These bonuses termed either annual or reversionary cannot be taken away