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The seller needs to move fast

The fixed payments are based on the amount of the loan together with the mortgage term and are designed so that, at maturity, the amount invested and earnings are sufficient to pay off the mortgage

First time buyers looking for security during the first few years of setting up home

A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property

Making an offer is one of the more stressful parts of buying a home

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

This may have the effect of reducing the length of time it takes to repay your mortgage

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

Variable Rate Mortgage

This mainly occurs in a sellers market or where the property is of rare value

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

Offers & Missives When you make an offer for a property you are only offering for the bricks, mortar and ground and the non-moveables

Buy To Let Mortgages Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment. These are normally second mortgages. The rates charged on second mortgages tend to be about 0.5% to 1% higher than first-home mortgages, so it is likely that you will pay more for your loan on a Buy To Let Scheme. This is due to the nature of the loan, which is considered a higher risk for the lender. Lenders also tend to require larger deposits as most will lend only 75% of the property value though some may go as high as 85%. You are required to meet certain criteria, which vary from lender to lender, but fundamentally your application will be based on 1) Your income versus all existing loans. 2) The anticipated rental income covering a certain percentage of the loan interest payment. 3) Plus the normal credit checks etc.

The mortgage like most others is portable should you move house, and providing you maintain the payments for the entire term of the mortgage you are guaranteed to repay the loan at the end of your selected period of borrowing

To take advantage of the offer the mortgage applicant will normally need to use a firm of solicitors or licenced conveyancers nominated by the lender

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work

This payment adjustment in many cases will not occur until the lender conducts the annual review of the loan account

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

2% fees-free offset mortgage

It may also give you a good indication regarding the seriousness of intent to sell

Gain an advantage view point of the roof - Does it bow or are there any tiles missing? Are there signs of any glass being recently replaced or damage to external doors? Possibly indicating signs of break-in

In England and Wales a survey is normally made after the offer has been accept subject to contract