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By stating this you are not obligated to proceed until the conclusion of the survey and the exchange of signed contracts

It may be the case that taking out a new loan with another lender offering better rates and terms is better than staying with your existing lender even if the redemption fee is wavered

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

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

We specialise in helping people who find it difficult to obtain a mortgage or loan

Investment managers may only be changed on an annual basis

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

There are more properties on the market than there are buyers

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

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It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

They provide a detailed analysis of your financial position

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

5%

Payment holidays are permitted

Obtaining quotes for conveyancing is simple

The Act contains strict regulations about how money is lent and covers unsecured loans up to £25,000

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

Once the sellers conveyancer has received the funds, payment will be made to the sellers lenders to pay off any mortgage outstanding on the property

Flexible mortgage A flexible mortgage may enable the borrower to pay off all or part of their mortgage without paying a penalty

Hence an applicant paying for a valuation and then not proceeding due to, say, a poor valuation, will not have their valuation fee refunded

Some plans are tax-efficient

The valuation does not represent a detailed inspection