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Switching between provider can only be completed on an annual basis and penalties may be incurred

g Loans for holidays may be restricted to a 12 or 24 month term)

Offers & Missives When you make an offer for a property you are only offering for the bricks, mortar and ground and the non-moveables

Suitability: The repayment mortgage option is suitable in a number of circumstances the most common being those identified below: You do not like to expose yourself to too many financial risks

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

Unfortunately not all estate agents are ethical in this area

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

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

The skilled agent will ask a series of questions that determine how serious you are, what properties will be of interest, what else they can sell to you and how quickly they can do it

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

The level of taxation rises according to the property/land price

Sewers and drainage

The cover and cost does vary between lenders and you should check what their policy includes, and just as importantly, what it excludes

Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask

Your solicitor should be able to advise you on the current search time

However it is not necessarily the case that two lending institutions that have the same multiples available will lend the same amount of money to the same person

Receive replies to questions raised and reports to you with the contract for signing

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

Buy to Let Mortgages

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

OTHER FEATURES / CONDITIONS AND CHARGES ASSOCIATED WITH MORTGAGES Early Redemption Charge (sometimes referred to as a ‘redemption penalty’) Given that the mortgage market is very competitive many mortgages are sold as ‘loss leaders’ i

Capped Rate Mortgage

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

In addition the interest rate charged is often lower than the usual Standard Variable Rates charged by the other more ‘traditional’ mortgage lenders

If any adverse comments on structure or conditions arise then it is wise to obtain quotations on any remedial work required

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

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle