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We are completely independent and have access to every lender and product on the market

Noise abatement orders

Each lender will have a maximum percentage of the value that they will be willing to lend in each individual circumstances, this is more commonly known as the maximum loan to value (LTV)

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund

Often it may require obtaining quotations for any remedial work required to form the basis of any negotiation on price

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

This tends to be between £25 - £50 and may be avoided if enough objections were made

If you, your solicitor and your lender are happy with the survey then your solicitor can make a formal offer

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The Association of Residential Letting Agents (ARLA) says most landlords should be able to obtain gross rent equivalent to between 130% and 150% of the rental propertyıs mortgage repayments (interest only)

Larger borrowings

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

If so, ask how they were damaged or why replaced

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

You never know, it could be a deciding factor involved in your decision to purchase or not

How long does your present fixed, discounted or capped rate last for

Have there been any previous offers and what happened to the sale? Having had a previous buyer does not necessarily indicate that there is a problem with the property, but it does require investigation