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Our Mortgage Calculator will allow you to see how much you can borrow and the cost of your monthly repayments

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

If it is clear at this point, then there should be no problems further down the road when it come to draft-contract preparation

This could end up saving you time and money

Capped Rate Mortgage

A good site will enable you to register your requirements and send you the latest property details by email

Avoidance of early redemption penalties

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

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

Booking Fee and Arrangement Fee Both are up-front fees charges levied at the outset of the mortgage

As a consequence of not being ‘locked-in’, the rate offered on these schemes will usually not be as competitive as for mortgages with redemption penalties, making them most suitable for those who are likely to keep track of current rates and wish to remortgage quickly if they find a better rate, or those who may have to repay their loan in the first few years

In particular, they provide details of county court judgements, defaults and any existing credit agreements, along with information relating to the electoral roll and your past credit history

Making an offer in its self is a simple process, but getting the price you want or simply securing your ideal home may require a bit more determination and skill on your behalf

Ensure that you know how the settlement figure is made up

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

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

The amount borrowed is subject to an interest charge, which will be quoted as a percentage

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

Base Rate The standard rate of interest set by the Bank of England which all lenders generally follow.

Try not to widen your search in too much

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

There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances