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Before making an advance, your mortgage lender will require a valuation report as a minimum

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

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

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In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

Borrowers confident that the mortgage rate is likely to fall

An investor may only hold one of each Mini in any tax year

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The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies

A fixed rate mortgage is suitable if your mortgage repayments take up a large proportion of your income as it protects you from any sudden and unexpected rises in interest rates

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The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

Providing the product has a red apply icon, you can submit your application without leaving our site

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

2% fees-free offset mortgage

Watch out – the ERC can sometimes last longer than the fixed rate period e

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances

A survey carried out by the mortgage lender should indicate what sum to insure

Suitability: The repayment mortgage option is suitable in a number of circumstances the most common being those identified below: You do not like to expose yourself to too many financial risks

The standard period is 14-28 days after exchange

If it is going to happen then it is likely to occur between acceptance of your offer and exchange of contracts

Once the written negotiations (missives) have been completed, your solicitor will obtain the Title Deeds to ensure the seller is the genuine owner and check with the local authority on a range of matters (searches) to make sure you understand how or whether your property is affected by rights of way, restrictions of use and so on

If you are not happy with the answer, investigate further or walk away