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Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

99% 2 year discount, no extended ties fee free remortgage

As a consequence lenders frequently ‘lock-in’ borrowers by applying Early Redemption Charges for those paying off the mortgage early

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

An arrangement fee is typically charged on completion of the mortgage

Areas to pay particular attention to in selecting your cover are: Cover for any accidental damage

Compulsory purchase orders

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available

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

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

Check for built-in appliances

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%)

This method is designed to give you the opportunity to generate a cash sum sufficient to repay the outstanding mortgage capital at the end of the agreed term

This may cover issues such as disputes with neighbours

They deal with surveyors every day and should be able to recommend a good one

There has been a previous price reduction on the property

So make sure you get the facts

Just Mortgages UK will explain the many schemes available and will help you to find the most suitable option for your circumstances

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)

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

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

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

It is common practice for lenders to pass this charge on to the borrower

The market conditions are in your favour (see details above)