Property Buying Help
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First
time buyers should be even more careful as they do not have
any property buying experience.It
is well known that buying a property is probably the biggest
financial comment most people will make, so research and great
care should be taken in order to try and make the right decision
which can potentially effect your financial future. There
is a
common
saying to indicate the most important factor that can effect
a property is location, location, location.
So
knowing the area is important. Is the area near decent schools,
does the area have a good road network, are there parking
issues, is the area prone to flooding or subsidence (usually
in a clay soil based area). Then there are more local issues
to be aware of for example are there tall trees or shrubs
close to the house, have there been neighbour disputes.
The
main structure of the building should be checked and often
a full property inspection can be more prudent and cost saving
than a general mortgage valuation that is basic and does not
go into details about many important factors. If certain areas
or concern has been highlighted then further specialised reporting
should be carried out. These may include a full NICEC electrical
inspection, CORGI gas inspection, structural engineer report
for roofing and drains. Others may include a full damp and
timber treatment report or thermal insulation and an energy
efficiency report.
These
inspections can be expensive but if there are serious problems
with the property they can allow the potential buyer to make
the correct choices or potentially lower the asking price.
| The
following APR relates to the above products only.
THE OVERALL COST FOR COMPARISON IS :-
8.9%
APR
The actual rate available will depend upon your circumstances
ask for a personalised illustration. |
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