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Whether you’ve found your dream home or are just starting your search, you need to know how much you can afford. Your dedicated mortgage specialist will be able to advise you on your maximum borrowing amount and find a solution with monthly repayments that fit your budget. The mortgage product you choose will change these numbers dramatically, so exploring your options and making the right decision is crucial.

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How Does It Work?

How an asset finance contract works depends on the type of contract:

Hire purchase asset finance agreements generally last between 12 and 72 months. They involve you paying a deposit plus fixed monthly instalments for the agreed term, after which the assets are yours.

Leasing asset finance agreements involve the lender buying assets, such as agricultural or haulage equipment, and leasing them to you for a fixed monthly sum. You can therefore access the assets you need without visibly borrowing money or using up your capital.

Refinancing asset finance agreements are aimed at businesses that have already invested in equipment and now need to release some of the capital tied up in those assets. They involve the lender buying the equipment from you and leasing it back to you over a set period during which you make regular payments.

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Do’s

START WITH CHOOSING YOUR AREA.
Your criteria might include having a good school nearby, local transport links and convenient shops or restaurants

BE CLEAR ON WHAT YOU WANT.HOUSE OR FLAT? HOW MANY BEDROOMS?
Being clear on your requirements will help you narrow your search and help estate agents be more specific.

CONTACT AS MANY ESTATE AGENTS IN YOUR DESIRED LOCATION AS POSSIBLE.
Ask them to send you details of suitable properties on their books on a regular basis.

KEEP RECORDS OF THE PROPERTIES YOU HAVE VISITED.
You’ll see a lot of properties in a short period of time, so keep notes of their good and bad points to make sure they are fulfilling your requirements.

GET TO KNOW AN ESTATE AGENT MORE CLOSELY.
By calling once a week to reaffirm your interest, they’ll know you’re a serious buyer and ensure you get an early look at their best new properties.

Dont’s

FORGET TO CONSIDER THE ADDITIONAL COSTS.
On top of mortgage payments, make sure you consider your utility bills, maintenance bills, Council Tax, any renovation work and other property bills.

BE INFLEXIBLE.
Be prepared to trade off one factor for another as you look around, e.g. you might be prepared to live in a cheaper area if that means having a garden.

KEEP A SHORT-TERM VIEW.
Your job might change, and your friends might move, so don’t use these as a basis for making decisions about where to buy your long-term home.

NEGLECT FAMILY MATTERS.
If you’re starting a family, is there room for your family to grow? Are the local schools any good? Are there the right services for a young family? Is it a safe area?

IMMEDIATELY OFFER THE ASKING PRICE.
Most sellers inflate their price, so it is usual to offer up to 10% less than the asking price, especially if the property requires building work or redecoration.