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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

APR may vary

Proposed road works within 200 meters of the property

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

Borrowers who anticipate rising interest rates

Depending on the amount of loan and the LTV the Mortgage Indemnity Guarantee charge can be a significant cost e

Each year the original capital sum will remain outstanding

Self Certification Mortgages

5%

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to

Listing all the contacts involved in the move

Having a mortgage in principle means you should be able get the actual mortgage quicker when the race to buy your chosen home begins

Outline information is available free of charge, by entering a postcode

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

The lender can give you a settlement figure, normally over the phone

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed