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This could end up saving you time and money

Some sites are also offering information about local schools, crime rates, and average property prices

It is worth noting that the average property purchase price in the UK has now hit over £100,000

An arrangement fee is typically charged on completion of the mortgage

FEATURES AND OTHER BENEFITS OFFERED WITH MORTGAGES There are other key features and benefits to be considered when determining the best mortgage for a prospective borrower

Advantages: Monthly payments can adapt to the level of monthly income you receive

Set your price range and when you would ideally wish to move

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

you as a loyal customer with a new loan

Be aware that making an offer may have legal consequences for you

Fixed Rate Mortgage

Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy

If a redemption fee does apply, all is not lost

In this, the seller agrees to a period during which they promise not to enter an agreement with anybody else

The cover and cost does vary between lenders and you should check what their policy includes, and just as importantly, what it excludes

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

Examine these policies carefully

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

Some lenders will offer even larger cashbacks if you agree to pay a premium over the variable rate

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

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

Ensure that you know how the settlement figure is made up

The seller is legally required to answer these enquiries honestly! But do they? We believe not always

Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask