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If a redemption fee does apply, all is not lost

If your instincts tell you to leave it alone

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

Assuming that you have your financial preparations in place (a mortgage in principle)

This rate is known as the Annual Percentage Rate (APR)

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

These bonuses termed either annual or reversionary cannot be taken away

However should rates decrease the borrower will benefit from lower payments

ISA The Individual Savings Account (ISA) is a tax free method of saving

Some websites are also offering information about local schools, crime rates, and average property prices

Ability to benefit from rate cuts as they occur

Suitability: A fixed rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Larger borrowings

The proportion of UK housing stock taken by rentals stood at a low of 7% in 1989, but has grown to 11% in the ten years since

Booking Fee and Arrangement Fee Both are up-front fees charges levied at the outset of the mortgage

Some plans are tax-efficient

The market conditions are in your favour (see details above)

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

It is important to note that you will still need to fund the shortfall in the advance at completion, albeit on a shorter term basis

There is no reason why completion may not take place at the same time as exchange providing all the necessary conditions have been fulfilled

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable