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In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters

Buyers Market

As you would expect lenders apply an Early Redemption Charge with cashback mortgages

This is a fantastic time saver

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

Upon making an offer via the agent or directly to the seller, the experienced seller is likely to take into account several factors over and (in many cases) above the offer price itself

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

Many flexible mortgages come without any Early Redemption Charge so the borrower is not ‘locked-in’ to any particular lender

A buyer will also have to instruct a survey to be carried out on the property to establish its true condition

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

Valuations and mortgage reports Note, a valuation is not a survey

In return for an annual or monthly premium the insurance company will cover the cost of replacing or repairing an item that is lost, stolen or damaged

Just Financial Advice UK Ltd is an independent mortgage advisor and will be able to help discuss the options with you, answer any questions you might have and agree a course of appropriate action

So make sure you get the facts

Customers cashing-in an endowment policy in the first few years after inception can receive less than the amount invested

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

29% 2 year fixed fee free, no extended ties

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

The solicitor will ask for your deposit and any outstanding charges to be in their hands normally 5/7 days before the date of entry

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

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

- keeping them all in one place for when you need them

Sometimes capped mortgages have a level below which interest rates cannot fall

Know which location/s you prefer

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

Sometimes it will match the period of the discount/fix but often it can go beyond the benefit period e

In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

Choosing the correct survey Choosing the correct survey depends on the requirements of the lender and the property itself