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Life assurance cover is not always necessary in taking out this type of mortgage

This means that a mortgage with, for example, a discount to 31st January 2006 will have a redemption charge to either the same date or a date prior to this

The date and actual time of day of completion is quite specific and relies absolutely on the transfer of money

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Buyers Market

Some will allow for bonuses and some will only allow 50% of bonus

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

For more information see: Searches - what they should highlight Land registration The Land Registration fee will cost from £40 to £800

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

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

Stage 3 - exchange of contracts A sale or purchase of property in England and Wales only becomes legally binding once the contracts have been exchanged

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

The interest rate can fluctuate and is not fixed at the initial rate of interest

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

This mainly occurs in a sellers market or where the property is of rare value