û policies often come with lots of loopholes and clauses Consider Resale When planning any home improvements or redecorating, bear in mind that you may want to sell your property at some point. For any alterations to the fabric of the building, check with your local authority to see if you need planning permission or a building warrant. Title: First Time Buyers Beware Word Count: 406 Summary: Although itÆs a big undertaking, buying your own home is one of the wisest moves you can make. Rather than pouring money away on rent, you will effectively be investing in your property with every mortgage payment. Keywords: mortgages, first, time, buyers, home, house, loan, interest, cost, fee, charge, deal, secured Article Body: Although itÆs a big undertaking, buying your own home is one of the wisest moves you can make. Rather than pouring money away on rent, you will effectively be investing in your property with every mortgage payment. You will also become a æhomeownerÆ, which should please your bank manager no end. You may find offers of loans and credit suddenly become a lot more frequent, and when youÆve just moved into a new home it can seem tempting to borrow money to kit the place out. But be careful! Most repossessions happen in the first year of the mortgage, when people find they have overstretched their finances and canÆt meet the repayments. These are a few factors youÆll need to consider before you move: Fees and Stamp Duty YouÆll find there are quite a few extra costs involved here û solicitors fees for conveyancing are normally a percentage of the cost of your mortgage, plus there are other charges involved. Check with your solicitor what his or her bill will be. Stamp duty is a tax that applies on property that costs over ú100,000. If youÆve used a mortgage advisor, there will be another fee to pay, probably of a few hundred pounds. Surveys These can prove costly û each survey will set you back around ú150 to ú200 pounds. Sometimes the surveyor will ask for a report from a specialist û for example, a timber professional û that could cost the same again. If there are problems with the property that need to be remedied, you may find a portion of your mortgage withheld until the work is carried out. This is called a retention, and means youÆll have to find the extra cash yourself. Moving Costs You could move your entire household in the back of your car, but itÆs not the ideal option! Hiring a van or removal men can be quite expensive û but it might make
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Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Poizon Ivy Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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