ccj, uk home loan

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

Some plans are tax-efficient

With this type of mortgage, only the interest is paid off with each mortgage payment

What the search should highlight Any Planning notices

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage

Without going into detail to explain this feature the up-shot is that over-paying the mortgage on a monthly or regular basis, even by a relatively small amount, will reduce your mortgage term by years (hence saving payments)

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

Searches are often one of the major causes of time delay

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

You have an offer on your property - The further into the processes of selling your home, the better

See FAQs for more details

Payment holidays are permitted

This is a fantastic time saver

Borrowers with new loans only get the interest paid after waiting for nine months

This is an excellent option for the self employed

Although both may vary, a deposit of between 5% and 10% is common, as is completion 28 days after exchange

We specialise in helping people who find it difficult to obtain a mortgage or loan

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

YOU CAN APPLY FOR A LOAN WITHOUT LEAVING THIS SITE! the facility to apply online for your personal loan

For a mortgage secured on a property, insurance may be required

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

Sometimes it will match the period of the discount/fix but often it can go beyond the benefit period e

This tends to be between £25 - £50 and may be avoided if enough objections were made

5%

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

There are two main factors that influence the amount you are able to borrow

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers