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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.

 

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We can offer business mortgage advice on unregulated commercial finance only.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for broker advice, the precise amount of the fee will depend upon your circumstances and be confirmed in writing.
We are not regulated by the
Financial Services Authority who do not regulate some aspects of commercial finance, personal finances, buy to let and overseas property lending.

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