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a £47,500 mortgage on a purchase price / valuation of £50,000 would result in a £750 charge on a typical MIG charge of 7

A previous buyer will only be too happy to get some of the survey costs back

There are many reasons why a seller may want a quick sale

Offers are invited above the stated price

The way lenders quote interest rates varies

In either case, having prepared the ground an agent will notice that you have put some work into sorting a few thing out, thus take you seriously

Some of the newer entrants into this sector are also linking savings accounts, credit cards and personal loans into the mix

Ask about the reason for the sale

The standard period is 14-28 days after exchange

Conditional planning permissions granted

The offer includes the purchase price, date of entry, alterations and specialist works together with any inclusions such as carpets and curtains etc

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

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

Interest may still accrue on the balance outstanding so the exact terms should always be verified with the lender

A separate life policy will be required in most cases

Note any parking facilities or restrictions

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

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

At the end of the fixed rate (or ‘benefit’) period the rate will normally convert to the lenders Standard Variable Rate (SVR)

Advantages: The potential reduction in your level of borrowings means that over the entire term of your mortgage substantial savings can be made on your overall mortgage payments, or you may be able to pay the mortgage off early

carpets and curtains, wall lamps, etc

Location, location, location What local amenities are there? What are the local schools like? - A good school catchment area may effect property value

Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

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

Proceedings relating to any infringement of building regulations

Mortgage Endowment Policies

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Suitability: A fixed rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Larger borrowings

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.

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

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