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These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

This is a fantastic time saver

The law on moveables is quite complex

If you wish to repay the loan in this time, or you remortgage with another lender, you will have to pay an Early Redemption Charge which can cost £thousands (6 months interest is common) depending on the lender and scheme

This means that a mortgage with, for example, a discount to 31st January 2006 will have a redemption charge to either the same date or a date prior to this

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

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

It may also indicate how genuine the sellers are

This may be due to a number of factors, but mainly occurs due to the condition of the property

The period of borrowing is in excess of say 12 years

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

Stage 2 - Assessment of draft contracts This is the point at where both parties solicitors negotiate the deposit payable on exchange of contracts, the time between exchange and completion and any allowance by the seller to let the buyer have access to the property ahead of time

a 3 year fixed rate with a 5 year ERC

Set your price range and when you would ideally wish to move

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

This may reveal other factors that will not appear on any formal search

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

The Association of Residential Letting Agents (ARLA) says most landlords should be able to obtain gross rent equivalent to between 130% and 150% of the rental property¹s mortgage repayments (interest only)

- Are school catchment areas, commuting or environment an issue? Contact a solicitor to access their quality of service

All mortgage lenders require a survey, some more thorough and detailed than others

If so, be bold and ask to see them

Poor Credit & Loan Advice

Read all the details on the specification sheet

Other factors may well be involved

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor