Mortgages (21)
Article
In mid summer 2007 everyone who wants to sell a property will have to prepare a Home Information Pack before they put it on the market. This article explains what the Packs will have to include what they'll cost - and whether we expect them to work!
Mortgages. Big changes in the buying and selling of houses.
On June 1 st 2007, the law concerning the buying and selling of houses changes. From that date onwards everyone who wants to sell a house has firstly to prepare a Home Information Pack (HIP).
And if you don't? You're in the frame for a £200 fine! It's also probable that estate agents will also insist on you having the Pack ready by the time they put your home on the market. Certainly, buyers' solicitors won't do a thing until you provide the Pack. All in all, you don't have an option – you'll have to go along with the law.
So what has to go in the Pack?
The Government has yet to confirm the final details but at the moment, it proposes that your Pack must include the following information:
Search results from H.M. Land Registry. Replies to anticipated initial enquiries – these are the currently raised by the buyer's solicitor Copies of any planning, listed building and building regulations consents and approvals. If you don't have these, you'll need copies from your Local Planning Authority And for new properties, copies of building warranties, electrical test certificates, and any other warranties or guarantees attaching to the property. A draft sale contract It is also proposed that the Pack should contain two items currently obtained by the buyer:
A professional independent survey of the property called a Home Condition Report.
Replies to searches made of the Local Authority
The Government believes that the Pack is likely to cost sellers around £825 including VAT. But they claim these are not additional costs.
Our general view is that if the packs help to identify problems before everyone starts incurring cost and instructing solicitors, then surely that's for the better? We say better to have problems out in the open at the start than stumble upon them half way through the selling process.
We just hope that all these changes in the buying and selling houses don't result in a bureaucratic nightmare. Over 7,500 inspectors will be needed to carry out the new Home Condition Reports and getting them all trained, qualified and registered in time may yet prove to be that fly in the ointment!
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Mortgages Remortgages Loans
We offer the best in mortgage and loan rates. Available to buy or remortgage your home. Self Employed mortgages. Buy to let - self certification - interest only mortgages and sub prime bad credit loans are also available. No income confirmation on selected schemes. http://www.edwards-associates.co.uk/frames/mortgages.htm 
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Mortgage Leads
Quality mortgage leads for direct mail marketing. Sub prime, new homeowners, refinance and more. http://www.redclaymedia.com/
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Brentwood Mortgage Services We utilize a team approach and highly competitive rates. Most loans are written with 0 points and new loan programs are available to a wide variety of borrowers. Lending in all 50 states. Mention code WEB531 for $100 off closing costs. http://www.brentwoodloans.com/
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http://www.pamortgagenow.com/
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http://www.pittsburghmortgagesource.com/
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Accurate Mortgage Calculators
Calculate mortgage loans, refinancing, payment, and interest like a mortgage broker. http://www.mortgagecalculatorme.com/
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Mortgage New York
At Gefen Financial, we help people to manage their finances through debt consolidation, mortgages & loans for residential and commercial real estate properties, and equity financing. http://www.gefenfinancial.com/
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Mortgage Protection Insurance
Trust Paymentcare for Insurance protection on Mortgage Protection Insurance & Loan Protection Insurance. Protect yourself against situations arising out of Accident, Sickness & Unemployment. http://www.paymentcare.co.uk/
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http://www.californiasmortgagesource.com/
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http://www.floridasmortgagesource.com/
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http://www.georgiamortgagesource.com/
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http://www.hardmoneyfundinggroup.com/
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http://www.newyorkmortgagesource.com/
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http://www.refinancetexasmortgage.com/
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Mortgage loan lead, telemarketing mortgage lead, refinance mortgage lead, online mortgage lead, debt consolidation lead : Offering complete marketing services tofinancial instituitions worldwide, mortgage lead, internet mortgage lead, mortgage loan lead, mortgage lead generation, mortgage broker lead, free mortgage lead, telemarketing mortgage lead, refinance mortgage lead, online mortgage lead, debt consolidation lead http://www.targetpublishers.com/
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bad credit mortgage - Putting a new face on your home loans - VelocityFinance.com http://www.velocityfinance.com/
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Mortgage broker's interest rate calculators.
Competitive mortgage broker lender offers interest rate calculators to show good faith estimate savings on home refinance mortgages and equity loans with good or bad credit. http://www.homeloanequity.com/
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Fixed Rate Refinance http://www.fixedraterefinance.com/
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Maryland Mortgage - MD Home Mortgage, Refinance and USA Commercial Lender. Maryland financing for new construction, purchases and refinancing with cash out for improvements and debt consolidation. http://www.marylandmortgagesource.com/
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Mortgage loan payment calculators and good faith estimates.
Offering loan payment calculators and mortgage good faith estimate for debt consolidation savings computation. Current mortgage interest rates plus free credit reports on all home loans and pre-approvals. http://www.maximumfinancialinc.com/
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Sarasota Homes
Find hundreds of bank owned listings by type of property and location. Includes, Longboat Key, Siesta Key, Lakewood Ranch, and more http://www.sarasota101.com/
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