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It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

Surveys come in three forms: Valuations, usually undertaken by the lender

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

However, most vendors are reluctant to take the hit on the full amount

Generally anything between 1 and 25 year fixed rates are available

Set your price range and when you would ideally wish to move

Advantages: The potential reduction in your level of borrowings means that over the entire term of your mortgage substantial savings can be made on your overall mortgage payments, or you may be able to pay the mortgage off early

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

These bonuses termed either annual or reversionary cannot be taken away

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

Whether the property is a listed building or in a conservation area

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

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

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

For a borrower wanting one home for their finances this is an attractive option

However it is not necessarily the case that two lending institutions that have the same multiples available will lend the same amount of money to the same person

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

Be aware that making an offer may have legal consequences for you

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

If applicable, a redemption fee comes into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

Your monthly repayments consist of repaying the capital amount borrowed together with accrued interest

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

You should never assume that because a lender is prepared to agree a mortgage on the property that the purchase price is reasonable or there is nothing wrong with the property itself