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Financial charges relating to work undertaken by the local authority, such as road works or repairs to dangerous buildings

FLEXIBLE / LIFESTYLE MORTGAGES CURRENT ACCOUNT MORTGAGE (CAM) CASHBACK FREE LEGALS OR CONTRIBUTION TOWARDS CONVEYANCING COSTS FREE VALUATION OR REFUND OF VALUATION FEE OTHER BENEFITS Flexible / Lifestyle Mortgages A Flexible or ‘lifestyle’ mortgage is designed to let you to make extra repayments when you have extra money, and to reduce or even skip payments when necessary

In such cases there are three possible routes of action that may be of help

Receives search results and deals with any problems revealed

2% fees-free offset mortgage

That is: Consider what type of mortgage you require and then find a mortgage lender you feel can offer you the best deal

At the very least a mobile phone

Possible diversion or closure of roads or footpaths

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

Proceedings relating to any infringement of building regulations

The money may only be drawn from a pension policy when the policyholder reaches retirement age

It occurs when the seller accepts a higher offer from another buyer after already having accepted yours

Avoidance of early redemption penalties

You only get this if you qualify for income support

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

Switching between provider can only be completed on an annual basis and penalties may be incurred

Remember, it is your responsibility to get the correct sum insured

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

The mortgage like most others is portable should you move house, and providing you maintain the payments for the entire term of the mortgage you are guaranteed to repay the loan at the end of your selected period of borrowing

Sealing Fee This is a fee charged by all lenders for discharging a mortgage when it is repaid in full Searches A buyer’s solicitor normally carries out searches. The solicitor will carry out local searches on your behalf to make sure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden or any compulsory purchase orders attached to it. This is usually done by a search of the local land register. Your solicitor sends a standard form to the local authority that will enter details of any local land charges adjacent to the property you are buying. The speed with which the results are returned varies considerably from borough to borough. You can speed up the process by arranging a personal search. You pay a fee, whereby a search agent, appointed by your solicitor, calls at the offices of the local authority and the search is conducted there and then. This is not an official search, so will not protect you to the same degree, but if speed is of the essence, it can save weeks.