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This may be due to a number of factors, but mainly occurs due to the condition of the property

Mortgage in principle A mortgage in principle is a conditional offer made by the mortgage lender to confirm that they will in principle give you the loan you have discussed, provided the information you have given is correct

Garden Cover - While most buildings insurance provide cover for patios, paths and driveways

If applicable, a redemption fee comes into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

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

Individuals utilising short-term finance arrangements to provide their deposit

Investment managers may only be changed on an annual basis

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

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

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

Buy To Let Mortgages Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment. These are normally second mortgages. The rates charged on second mortgages tend to be about 0.5% to 1% higher than first-home mortgages, so it is likely that you will pay more for your loan on a Buy To Let Scheme. This is due to the nature of the loan, which is considered a higher risk for the lender. Lenders also tend to require larger deposits as most will lend only 75% of the property value though some may go as high as 85%. You are required to meet certain criteria, which vary from lender to lender, but fundamentally your application will be based on 1) Your income versus all existing loans. 2) The anticipated rental income covering a certain percentage of the loan interest payment. 3) Plus the normal credit checks etc.

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

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

Get advice on all types of loans, compare rates, or apply for a loan online

If you are considering protecting your repayments in the event of accident, sickness, unemployment or death, why not browse our Income Protection finder

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

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

The seller is legally required to answer these enquiries honestly! But do they? We believe not always