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They should be included in the sale

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

Are there any guarantees not held with the title deeds? i

This can be of great advantage in determining outline information before you go to the time and expense of having a survey and local searches made

Whereas in Scotland, the survey is completed before making a formal offer

The policy is usually highly portable and allows free movement from lender to lender

It is vital therefore that you discuss this complex area with an adviser as in many circumstances a more competitive rate may be available form a lender who will be more sympathetic to your particular circumstances

When registration is complete, the title deed to your lender for safekeeping

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

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

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

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 provided by the investment product cannot normally be guaranteed

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

This may result in the property having to be sold to repay the debt owed

Initial property enquiries This is where much time involved in selling and buying is wasted

Buildings survey Also known as a structural survey