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The seller is legally required to answer these enquiries honestly! Prepares and sends a package of legal information and draft contract, setting out the main terms agreed, the names, price, special terms, and details of the legal ownership Requests a settlement figure for your mortgage and any other secured loans

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

In return for an annual or monthly premium the insurance company will cover the cost of replacing or repairing an item that is lost, stolen or damaged

In many cases if approached sensibly, a happy medium can be reached

In either case, having prepared the ground an agent will notice that you have put some work into sorting a few thing out, thus take you seriously

Booking fees are often non-refundable, so if the mortgage applicant cancels the mortgage application before completion the fee will not be reimbursed

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

Poor Credit & Loan Advice

Life assurance cover is not always necessary in taking out this type of mortgage

Redemption penalties can prevent restructuring of your mortgage and associated finances

29% 2 year fixed fee free, no extended ties

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters

Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

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

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

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

What the search should highlight Any Planning notices

It will not protect you to the same degree, but if speed is of the essence, it can save weeks

The offer includes the purchase price, date of entry, alterations and specialist works together with any inclusions such as carpets and curtains etc

Once contracts have been exchanged, bankruptcy searches on both the buyer and the seller will be carried out

The interest rate can fluctuate and is not fixed at the initial rate of interest

For a mortgage secured on a property, insurance may be required

5%

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

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

The money is then paid back to the Lender over a fixed period of time together with accrued interest

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

Borrowers with larger loans Remortgaging The Basics How we can help Information Required The Basics Becoming increasingly popular over the last ten years remortgaging is commonplace in today’s competitive mortgage market

In summary you will find numerous different methods of calculating the maximum LTV but the figure once stated is usually non-negotiable

Advice on Affording a Mortgage

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online