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The amount available usually ranges from £500 to £25,000 over a term of 6 months to 10 years

It occurs when the seller accepts a higher offer from another buyer after already having accepted yours

No further funds can now be put into Personal Equity Plans

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

Note that even after repossession the former borrower will remain liable for any sums owing (shortfall between selling price and mortgage outstanding plus arrears, lenders legal costs and any other charges applied to the mortgage) and can be pursued by the insurance company for payment at a subsequent date

The skilled agent will ask a series of questions that determine how serious you are, what properties will be of interest, what else they can sell to you and how quickly they can do it

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

See FAQs for more details

They are also generally linked to variable rates and so reductions in your mortgage payments in the early years may not be possible with this type of product

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

The rate will also provide a buffer against increases in the interest rates

There are two basic types of endowment policy – the with profits version and the unit linked version

Watch out – the ERC can sometimes last longer than the fixed rate period e

Other Charges There are a whole series of other fees that some lenders apply in certain circumstances e

These are more detailed than a lender valuation but they produced on behalf of the applicant

There is no reason why completion may not take place at the same time as exchange providing all the necessary conditions have been fulfilled

Interest only

We specialise in helping people who find it difficult to obtain a mortgage or loan

Investment managers may only be changed on an annual basis

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property

The period an Early Redemption Charge applies can vary

How long they been there and have there been any disputes? Internal Observations Does the property have central heating? If so, check when it was installed and last serviced

If you completed our application form, it will be passed to your chosen provider in order that they may process it

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Once contracts have been exchanged, bankruptcy searches on both the buyer and the seller will be carried out

It may be that administration charges, mortgage indemnity insurance, or building and contents insurance costs have been added to the amount you originally borrowed

YOU CAN APPLY FOR A LOAN WITHOUT LEAVING THIS SITE! the facility to apply online for your personal loan

Initial property enquiries This is where much time involved in selling and buying is wasted

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments