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The process of registration is usually conducted via a solicitor

Insurance Lenders will insist that the property is adequately insured, with a suitable Buildings Insurance Policy, as it represents security against the mortgage debt

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

5%

4% off for 1 year

The Lender offers a discount on the Standard Variable Rate (SVR) for a specific period of time

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable

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

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

We have a Support Team who can be contacted by telephone should you require any further assistance along the way

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances

Your solicitor will also be checking the exact description of the property and any title burdens

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

Title searches at the Land Registry will also be carried out

It may be the case that taking out a new loan with another lender offering better rates and terms is better than staying with your existing lender even if the redemption fee is wavered

At Just we can complete a full analysis of the market using the most up to date information available

The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures

SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

The surveyor will not inspect inaccessible parts of the property or areas which are not already exposed

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

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

insurance and finance

The amounts can range from a flat fee e

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term