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Mortgage lenders are pretty strict on what kind of survey they require and who completes the survey

Making an offer is one of the more stressful parts of buying a home

This can save hours of waiting on the phone trying to get to speak to your conveyancer

The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

Each lender will have a maximum percentage of the value that they will be willing to lend in each individual circumstances, this is more commonly known as the maximum loan to value (LTV)

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

The deed of transfer is prepared and approved and if the buyer has raised finance a mortgage deed is prepared

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

Ability to benefit from rate cuts as they occur

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

This is not an obligation to purchase the property

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

Depending on the amount of loan and the LTV the Mortgage Indemnity Guarantee charge can be a significant cost e

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

Nonetheless millions of borrowers have one or more endowment policy and as a rule of thumb these should not be cashed-in early and certainly not before seeking advice from a suitably qualified financial adviser

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

4% off for 1 year

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

With this type of mortgage, interest may be calculated on a daily or weekly basis

This information is likely to have been given to the seller and will form part of there judgement of your offer

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

99% 2 year discount, no extended ties fee free remortgage