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Requests your deposit

At the end of the fixed rate (or ‘benefit’) period the rate will normally convert to the lenders Standard Variable Rate (SVR)

The amount is usually measured in either pounds or months

Put the owner on the spot and see what reaction you get

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

The savings can be considerable although you have no protection against increases in interest rates and may find that an increase takes you over your budget

Higher rate taxpayers may benefit from this option

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

Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

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

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

The amounts can range from a flat fee e

In addition lenders frequently apply an Early Redemption Charge (ERC) for fixed rate mortgages

The value of these holdings will alter on a daily basis and can go down as well as up

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting

The standard period is 14-28 days after exchange

Investment managers may only be changed on an annual basis

The valuation cost is likely to be at least £150 and becomes payable as soon as you wish to proceed with buying a property

Try also to avoid costly contract races where the seller accepts several offers and the first buyer to exchange contracts gets the property

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Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

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

A booking fee will normally be required with the application form

The period of borrowing is for a short period (say less than 12 years) You are nearing retirement and want the security of guaranteeing the repayment of your mortgage

Interest Only Mortgage Advice

Contents insurance can provide cover for all your household contents - furniture, carpets, curtain, pictures TV, hi-fi, personal possessions etc

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

They deal with surveyors every day and should be able to recommend a good one

Individuals on tight budgets expecting wage increases over the first few years of the mortgage

Another form of insurance common in the mortgage industry is a Mortgage Payment Protection Plan