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If added to the loan then interest is charged over the duration of the loan

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

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

Assuming that you have your financial preparations in place (a mortgage in principle)

Much depends on the agent, the seller and your confidence in your negotiation skills

However, it is often overlooked that you may approach the seller or agent to negotiate a shorter period

This is covered above

This is widely accepted as the most straightforward of the mortgage options

DISADVANTAGES If the proceeds of the repayment vehicle do not achieve the amount expected, then there will be a shortfall

How long has it been on the market and have there been any price reductions? Ask about the general state of the property

Noise abatement orders

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

In addition the interest rate charged is often lower than the usual Standard Variable Rates charged by the other more ‘traditional’ mortgage lenders

It is a basic inspection undertaken by a valuer on behalf of the lender for the purpose of determine whether a property is a sound investment on their behalf

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term

This method is designed to give you the opportunity to generate a cash sum sufficient to repay the outstanding mortgage capital at the end of the agreed term

5 to 3 times joint income