conveyancing, uk loan

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Offers & Missives When you make an offer for a property you are only offering for the bricks, mortar and ground and the non-moveables

If so, your solicitor may be able to purchase these from the buyers solicitor which will save you waiting for the searches to be carried out by the local authority and possibly save money in the process

This is also particularly relevant in the case of sealed bids

This can be attributed partly to the stress of the home buying procedure, but it can also be down to mortgage tie-ins where the lender insists on you taking out their insurance

We specialise in helping people who find it difficult to obtain a mortgage or loan

This is covered above

This protects the lender in case you do not repay the loan and your home has to be repossessed

Compare the property with surrounding properties

Payment is either up front, or added to the overall loan

We recommend taking a look at homecheck

Some will allow for bonuses and some will only allow 50% of bonus

The Maxi individual savings accounts combine three basic elements in one plan, with a limit of £5,000 (£7,000 in the current tax year) being placed on the investment

More information about endowments (which in the 1980’s and 1990’s were extremely popular), ISAs and Pension plans are below

Receives mortgage offer and deals with all the conditions on your behalf

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

In addition the interest rate charged is often lower than the usual Standard Variable Rates charged by the other more ‘traditional’ mortgage lenders

Just Financial Advice UK Ltd is an independent mortgage advisor and will be able to help discuss the options with you, answer any questions you might have and agree a course of appropriate action

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

You may not get a straight answer, but at least the owner and agent will be aware that you know the score

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

5% of the value of the property for your conveyancing

Disadvantages: Unexpected increases in payments at term end

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

Advantages: Complete flexibility within the mortgage market allowing option to move from lender to lender should the opportunity to take advantage of more competitive rates elsewhere arise

This could end up saving you time and money

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs