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4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

will need to be addressed during this period of pre-contract enquires

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

However in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

What limitations apply to your current mortgage rate

If the variable rate rose to say, 6%, then the rate payable would rise to 4

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

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

How we can Help Obviously prior to making any decisions comparisons from other providers should be obtained

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

Normally a lender will require a non-refundable booking fee in advance to reserve this option

As a result a lender may restrict the amount they are prepared to advance or place conditions on the advance

Being hit by an unexpected redemption fee can put a serious dent into your finances

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

Other Benefits A whole range of other benefits can be applied to mortgages including the significant benefits of no Mortgage Indemnity Charge and no Early Redemption Charge

Disadvantages: There are currently a relatively small number of lenders offering this type of mortgage at present

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

APR may vary

At the end of the policy term there will be a final one off bonus called the terminal bonus which may in some instances represent a large proportion of the borrowers final pay out

Particularly furnishings and fittings,

If for any reason your application is declined, may be able to direct your application to a provider who can help

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

Lenders may offer payment breaks or repayment holidays as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term

Arriving at the property Before knocking, take a few moments to observe your first impressions

Prior to making the decision to remortgage it is important to establish a number of basic facts or the benefit of your remortgage may be significantly reduced by penalties imposed by your current lender

Contrary to popular believe, lenders can be flexible