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The seller may or may not be entertaining any new viewings, but if you have viewed the property and decided to make an offer (albeit late in the day) at least the seller will be aware of it

At Just we can complete a full analysis of the market using the most up to date information available

It is important to note that comment within the report is limited to those areas that are considered accessible at inspection

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

No further funds can now be put into Personal Equity Plans

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

The solicitor will ask for your deposit and any outstanding charges to be in their hands normally 5/7 days before the date of entry

Just Financial Advice UK Ltd is an independent mortgage advisor and will be able to help discuss the options with you, answer any questions you might have and agree a course of appropriate action

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

They will also find that the mortgages they can get will be at a higher interest rate

In return for an annual or monthly premium the insurance company will cover the cost of replacing or repairing an item that is lost, stolen or damaged

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

carpets and curtains, wall lamps, etc

At this point you will need to pay your share of the property purchase to your solicitor who will exchange this and the money from the mortgage provider for the Disposition (or Title Deed)

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

Are they in a chain? How quickly do they want to move? Ask if the agent has a sole agency agreement Having been satisfied with your initial enquiries, it is now time to book a viewing

Sometimes capped mortgages have a level below which interest rates cannot fall

As soon as you have found a property that you wish to make an offer on, your solicitor will note interest for you

The APRs quoted by the lender will usually be typical rates, and these act as a guide only as the exact rate offered will be on an individual basis

You may not get a straight answer, but at least the owner and agent will be aware that you know the score

Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

A flexible mortgage linked to a current account

Ensure that you know how the settlement figure is made up

3% of the loan

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

- keeping them all in one place for when you need them

It will not protect you to the same degree, but if speed is of the essence, it can save weeks

Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee