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The increased flexibility inherent within the repayment vehicle can lead to shortfalls in relation to the amounts required owing to withdrawals having been made

First time buyers looking for security during the first few years of setting up home

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

In such cases there are three possible routes of action that may be of help

They deal with surveyors every day and should be able to recommend a good one

So make sure you get the facts

Suitability: An endowment policy is the most suitable option in a number of circumstances the most common being those identified below: You are a higher rate taxpayer and have utilised all your annual ISA allowance

If you are not happy with the answer, investigate further or walk away

Location, location, location What local amenities are there? What are the local schools like? - A good school catchment area may effect property value

Including gas and electric suppliers and insurance companies etc

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

Your lender agrees a set rate of interest for a specified period of time

You will be kept up-to-date on the progress of your application by e-mail

Be aware that making an offer may have legal consequences for you

Disadvantages: Holders of a Mini individual savings accounts cannot take out a Maxi, and vice versa

where the loan is not much less than the value of the property, it is common practice for the lender to take out a form of ‘insurance’ to protect against some or all of the losses incurred if the property needs to be taken into possession because of serious arrears

In many cases, lenders offer different rates depending on the method by which you apply

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

Exposure to interest rate rises

Using an ISA as a repayment vehicle is growing in popularity but due to the ISAs complexity it is only for the financially sophisticated or borrowers taking advice from a suitably qualified financial adviser

There is no reason, as far as legal procedures are concerned, why this cannot be quicker

Base Rate Tracker Mortgages

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances

Ask the seller or agent when the previous buyer pulled out and if recent, ask your conveyancer whether it is advisable to purchase the previous searches

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

See FAQs for more details

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

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