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Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

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

Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers

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

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

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

More detailed reports are also available for a small fee

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

Mortgage Endowment Policies

For a mortgage secured on a property, insurance may be required

If you are mortgaging the purchase of your property then the lender will make it a condition that you take out their Mortgage Indemnity Insurance

If the plan is not reaching its expected target, the borrower can increase payments into the policy or invest in another product to cover any anticipated shortfall

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

We recommend taking a look at homecheck

Negotiating face to face can be a very effective tactic

Some of the newer entrants into this sector are also linking savings accounts, credit cards and personal loans into the mix

The key thing is to talk with your lender

Flexible mortgage A flexible mortgage may enable the borrower to pay off all or part of their mortgage without paying a penalty

Its purpose is to verify and record legal ownership of the property and to record any securities (mortgages) or conditions adversely affecting the property

They are not available for business purposes and some other uses may also be excluded, for example the purchase of timeshare properties

All lenders will have a set formula that they use to calculate the amount they will be willing to lend which is usually expressed as a multiple of your income

It is normal practice to specify in an offer exactly what moveables you want to ensure that these are included in the sale and that there is no room for miss interpretation

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

One other factor on which there is a debate as to how it will be treated is the aspect of adverse credit details

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

Disadvantages: Generally rates for capped mortgages will be slightly higher than those of the fixed rate mortgages available, although this is largely led by market forces and has not been the case in recent years

Borrowers with larger loans Remortgaging The Basics How we can help Information Required The Basics Becoming increasingly popular over the last ten years remortgaging is commonplace in today’s competitive mortgage market

The money may only be drawn from a pension policy when the policyholder reaches retirement age

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary