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Be prepared

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

As a tip, note that in the UK you can only drive up to a 3 tonne vehicle before you need an HGV license

In certain instances the valuation figure returned by the surveyor may not equal the purchase price

Try not to widen your search in too much

Whether the property is a listed building or in a conservation area

Most agents are pretty determined in their approach and will be interested in selling you more than a property

Each year the original capital sum will remain outstanding

You do not mind taking some degree of financial risk

Buildings survey Also known as a structural survey

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

Gain an advantage view point of the roof - Does it bow or are there any tiles missing? Are there signs of any glass being recently replaced or damage to external doors? Possibly indicating signs of break-in

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

We are experts in finding mortgages and loans for people with a problem, or poor credit history

The mortgage like most others is portable should you move house, and providing you maintain the payments for the entire term of the mortgage you are guaranteed to repay the loan at the end of your selected period of borrowing

If you want to continue, find out if the previous buyer had completed the searches or any survey

Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

Typically as a first time buyer you may have less deposit at your disposal and may be seeking cheaper mortgage rates in the earlier years

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

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees