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Arrears This describes the amount the borrower is behind in his mortgage repayments schedule

The amounts can range from a flat fee e

It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

So we know our specialist advisers can provide you with the mortgage that best suits your needs

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

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

This policy is designed to offer income protection against unemployment, sickness and redundancy

Before the exchange of contracts, you will have to agree on a date for completion of purchase

you as a loyal customer with a new loan

Suitability: A pension policy linked mortgage is the most suitable option in a number of circumstances the most common being those identified below: This option is only really suitable for a small minority of people

This form of insurance has become more important as the Department of Social Security has steadily withdrawn the benefits available

You should also receive a summary of the present state of the property along with any recommendations concerning future maintenance

Basically it is any item that is not firmly attached to the house that is counted as a moveable

Advantages: The fixed rate provides the security of knowing the exact monthly cost of your loan for a set period