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Ensure that your solicitor is aware of the survey and any other information you have learned about the property

Put the owner on the spot and see what reaction you get

Title searches at the Land Registry will also be carried out

A capped rate mortgage is very similar to a fixed except that if the variable rate drops below the capped rate, the borrower will make payments based on the lower variable rate

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

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

The customer is charged mortgage interest on £48,000 i

All lenders will insist on Buildings Insurance as the very minimum

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

Without an appraisal, it is going to be difficult to plan ahead

Capped Rate Mortgage

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

the mortgage has to be held for a number of years before the lender breaks into profit

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

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

5% on a normal lending limit of 75% loan to value