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Individuals utilising short-term finance arrangements to provide their deposit

These are known as regulated loans

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

Anywhere between 1% and 12% cashback has been available

Exposure to interest rates

This search can take between four and six weeks although many councils process searches in two weeks

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

If you are unsure, talk to local estate agents and solicitors

The initial pay rate would therefore be 3

As a general rule, it is advisable to compare the APRs of different loans, as this is a good way to determine how competitive they are

Variable rate mortgages Most lenders have a set rate of interest known as the standard variable rate which they adjust as the Bank of England increases or lowers interest rates

The process of registration is usually conducted via a solicitor

Disadvantages: Generally the rate will not be competitive in relation to the market

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

You only get this if you qualify for income support

Proceedings relating to any infringement of building regulations

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Advantages: Generally, the rate charged will be lower than the variable rate applicable under a standard mortgage

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

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

Flexible Mortgages

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

There are some important facts to understand about the mortgage indemnity charge

c) A combination of the above

Offers are invited above the stated price

The cost of this is therefore to be taken into account when selecting a lender

conducts a local authority search to highlight planning, financial and other charges affecting the property

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 current options available to you in conjunction with interest only mortgages include endowment, pension or an Individual Savings Account (ISA) Advantages: There are a variety of investment vehicles available to use to repay interest only mortgages, some offering tax advantages

There is also the potential to receive a tax-free lump sum once the capital amount owing has been repaid, or to reduce the term of the mortgage if the target amount is achieved early

you as a loyal customer with a new loan

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