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Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

Avoidance of early redemption penalties

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

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

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Offers are invited above the stated price

It may be the case that taking out a new loan with another lender offering better rates and terms is better than staying with your existing lender even if the redemption fee is wavered

In the past some lenders have made their insurance compulsory with some very competitive mortgage products although this is less common now

Cashback Mortgages

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

Unless these payments are guaranteed then as a rule of thumb expect that 50% will be taken into account

Charges can be significant

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

If it is clear at this point, then there should be no problems further down the road when it come to draft-contract preparation

It is common practice for lenders to pass this charge on to the borrower

You have an offer on your property - The further into the processes of selling your home, the better

It simply informs the seller of your interest

Check the plumbing and wiring

Some will allow for bonuses and some will only allow 50% of bonus

c) A combination of the above

rooms, style, new or old etc

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

Check it out and see how the neighbourhood is rated

Flexible mortgage Cashback Fixed Discounted Capped

Proposed road works within 200 meters of the property

APR may vary

Including gas and electric suppliers and insurance companies etc

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

The borrower remains liable for any shortfall on the mortgage hence the outstanding balance will need to be paid off from other resources

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

See FAQs for more details

Each case should be taken on its own merits