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In England and Wales a survey is normally made after the offer has been accept subject to contract

Redemption penalties can prevent restructuring of your mortgage and associated finances

The seller in turn will most likely invite you to make an offer on or before a closing date

Listed below are examples of some of the best deals around

Further fees such as arrangement fees are also frequently experienced with this type of rate

After completion, the buyer must pay stamp duty (if applicable) and must be registered as new owner with the Land Registry together with the details of any mortgage lender

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.

Receives search results and deals with any problems revealed

g Loans for holidays may be restricted to a 12 or 24 month term)

The APRs quoted by the lender will usually be typical rates, and these act as a guide only as the exact rate offered will be on an individual basis

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

Information Required There are a number of common items that will be required in order to obtain a new mortgage and listed below are the most common: 3-6 months pay slips 3-6 months bank statements

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

Mortgage lenders are pretty strict on what kind of survey they require and who completes the survey

Larger borrowings

First time buyers looking for security during the first few years of setting up home

Outline Information is available free of charge, by entering a postcode