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Usually this type of flexible mortgage will also calculate interest daily meaning that you will see an immediate impact of any overpayments that you make

This is not an obligation to purchase the property

Disadvantages: Generally the rate will not be competitive in relation to the market

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

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

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

See FAQs for more details

It may also give you a good indication regarding the seriousness of intent to sell

Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask

Not only will an estate agent take you more seriously, but the seller will feel more comfortable and have more confidence that you are not time wasting

They are more expensive than the lenders valuation

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

This will result in situations where there is no method of paying off the mortgage and the lender will only become aware at the end of the mortgage term

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

Arrangement fees Arrangement fees are normally charged by the lender for reserving a discounted or fixed interest rate mortgage for a given period of time

The first of these relates to the current market value of the property to which the mortgage relates

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

The proportion of UK housing stock taken by rentals stood at a low of 7% in 1989, but has grown to 11% in the ten years since

Obtaining quotes for conveyancing is simple

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage