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Some short term discount products offer a ‘deep discount’ e

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

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

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

Switching between provider can only be completed on an annual basis and penalties may be incurred

In many cases, lenders offer different rates depending on the method by which you apply

Loans secured against property that is already mortgaged are known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges

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

Preparing for Settlement As the settlement date comes near your solicitor ensures that everything is drawn together, that the funds are ready, and that there are no outstanding issues

It is best to find out the sellers position during the viewing, having plied as much information from the agent beforehand

The money may only be drawn from a pension policy when the policyholder reaches retirement age

This is a fantastic time saver

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

Only one Maxi individual savings account may be held in any one tax year

Home Mortgage Rates

Your monthly repayments consist of repaying the capital amount borrowed together with accrued interest

If you have any doubts check with the lender

Disadvantages: The final value of the policy may not be entirely sufficient to repay your mortgage or the monthly premium may have to be increased later on in the term of the mortgage to compensate for poor returns

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

Surveys come in three forms: Valuations, usually undertaken by the lender

There are two main factors that influence the amount you are able to borrow

Customers cashing-in an endowment policy in the first few years after inception can receive less than the amount invested

You may also speak to the seller directly

On this subject see ‘No Redemption’ and ‘No Overhang’ below

Considering the current market conditions Excluding the property itself, the current condition of the national market is a significant factor in the process of negotiation

This may result in the property having to be sold to repay the debt owed

Initial property enquiries This is where much time involved in selling and buying is wasted