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Using our handy online mortgage finder, we can search over 12,000 mortgage products.
If you don't know where to begin with your mortgage search, then here is a great place to start.
Moving is an exciting time, and we're here to make sure you find the right mortgage.
We believe that everyone should be able to own their own home, should you want to. And it's our job to help make it happen.
When investing in a buy-to-let property, you need to know that your mortgage meets your criteria.
Our promise to your is to make sure you never pay more than you need to. We understand how important it is to get the right deal.
At Your Expert Group, we'll help you decide if you think you need protection for your home and mortgage.
Using our mortgage calculators, we can help you understand key things like how much you can borrow.
By using our mortgage calculators, we can help you understand key things like how much you can borrow.
Use our Stamp Duty data to work out if you’ll have to pay stamp duty and if so, how much.
Use our mortgage borrowing calculator and discover how much money you could borrow.
Land and Buildings Transaction Tax (LBTT) is Scotland’s version of UK’s Stamp Duty Tax.
Scotland
Although it’s the norm to think that everything inside a new build home is in-perfect condition, you’d be wise to do your own checks first… One of the perks of a new build home is that everything has been newly constructed and is free from the wear and tear of a pre-owned home. However, you shouldn’t assume this and we recommend you do your own snagging list before moving in.
A snagging list helps you spot any problems with a new build home before you move in. It can reveal anything from small, unfinished jobs, to structural problems and breaches of building regulations. The snagging list will help you negotiate with the housing developer. You can ask that they either finish any necessary work before completion of the sale, or reduce the asking price accordingly.
The quicker the survey is completed, the more time you have to reach an agreement with the developer, should any snags be found. The best time for a snagging survey is before you exchange contracts with the developer and move into your new home. Some developers don’t allow snagging inspections before completion. In which case, you should get it done as soon as possible after this, and no later than two years after you move in.
The report should cover the interior and exterior of the house, as well as any garden, driveway or garage included as part of the property. The surveyor will assess things that commonly cause problems, or may be overlooked. This might include:
● Problems with internal finishes, such as plastering and skirting boards
● Damage to external brickwork
● Cracked or loose roof tiles
● Insufficient insulation in lofts, roofs, walls and floors
● Difficulty opening or closing doors and windows
● Uneven floors or stairs
● Poorly installed appliances
Yes, but only if you have a thorough understanding of building and construction.You’ll also need permission from the property developer to access the site. While you don’t need a specific qualification to perform a snagging report, it’s highly recommended that it’s performed by a professional surveyor, to be on the safe side. Not only will this avoid anything being overlooked, it’ll also improve the credibility of your claim, should you find any issues.
Prices vary depending on the inspector you use and the size of the property. As a guide, you can expect to pay somewhere between £300 and £600. This is a rather small investment for the peace of mind it offers, especially when compared to the potential cost of rectifying certain issues. If you choose to perform the survey yourself, it’ll only cost you your time. However, if you miss anything, this could be costly, should you end up facing urgent repairs in the future.
If you’re buying a new build home and have any questions about what you need todo, simply get in touch with us and we’ll be happy to offer you expert advice on all aspects of new build sales.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
©2023 Your Expert Mortgage. All rights reserved.
TMR Financial Solutions is a trading name of Your Expert Mortgage and Protection Ltd which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Your Expert Mortgage and Protection. Registered Office: 89 West Regent Street, Glasgow, Scotland, G2 2BA. Registered in Scotland number: SC674157.
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