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Normally the cashback is offered as a package of benefits e

There has been a previous price reduction on the property

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

The valuation cost is likely to be at least £150 and becomes payable as soon as you wish to proceed with buying a property

Borrowers confident that the mortgage rate is likely to fall

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Conditional planning permissions granted

Either party is liable for legal action in breach of contract

The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures

Ensure that you know how the settlement figure is made up

This is not the same as the main deposit and is returnable if you pull out before exchange of contracts

No buyer should rely solely on the information provided by a mortgage valuation especially when purchasing a large or old property

Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

Unit Linked – Once again investors funds are pooled and then used to purchase units in stock market linked investments

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings

the mortgage balance minus the positive balance held in the current account

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

Endowments provide life assurance so that in the event of death the mortgage is paid off

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

This may have the effect of reducing the length of time it takes to repay your mortgage

The definition of income may also change from one mortgage provider to the next

When viewing a property ask the question and try to establish a rapport with the seller

Capped Rate Mortgages

There are a number of limitations to the standard types of mortgages available if your income is erratic, for example if you are self employed or perhaps working on short term contracts

Arriving at the property Before knocking, take a few moments to observe your first impressions

Flexible Mortgages

Basically it is any item that is not firmly attached to the house that is counted as a moveable

See below for a quick guide to secured loans

Making an offer in its self is a simple process, but getting the price you want or simply securing your ideal home may require a bit more determination and skill on your behalf