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Cashback Mortgages

The costs will be greater for house purchase than for remortgage

There are a number of limitations to the standard types of mortgages available if your income is erratic, for example if you are self employed or perhaps working on short term contracts

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

Not only will an estate agent take you more seriously, but the seller will feel more comfortable and have more confidence that you are not time wasting

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

Assessments are generally made very quickly based on your personal circumstances

the mortgage balance minus the positive balance held in the current account

Being hit by an unexpected redemption fee can put a serious dent into your finances

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

Capped Rate Mortgage

Imagine each room empty

So we know our specialist advisers can provide you with the mortgage that best suits your needs

Personal loans are repayable monthly

However, try to include as much as possible in the negotiations

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

5%

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

Title searches at the Land Registry will also be carried out

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

We specialise in helping people who find it difficult to obtain a mortgage or loan

Higher rate taxpayers may benefit from this option

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

If significant defects are identified, the surveyor may suggest further investigation by an specialist

Disadvantages: Associated redemption penalties are restrictive

This is widely accepted as the most straightforward of the mortgage options

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

(See Offers & Missives), so if you ANY doubts ask your solicitor for advice

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.