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Replacing any damaged, lost or stolen items on a new for old basis

The plan holder can then draw a pension from the balance of the fund

You never know, it could be a deciding factor involved in your decision to purchase or not

Ability to benefit from rate cuts as they occur

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

In many cases if approached sensibly, a happy medium can be reached

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

Disadvantages: Unexpected increases in payments at term end

5 to 3 times joint income

Each year the amount owed will decline

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

If you completed our application form, it will be passed to your chosen provider in order that they may process it

Sealing Fee This is a fee charged by all lenders for discharging a mortgage when it is repaid in full Searches A buyer’s solicitor normally carries out searches. The solicitor will carry out local searches on your behalf to make sure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden or any compulsory purchase orders attached to it. This is usually done by a search of the local land register. Your solicitor sends a standard form to the local authority that will enter details of any local land charges adjacent to the property you are buying. The speed with which the results are returned varies considerably from borough to borough. You can speed up the process by arranging a personal search. You pay a fee, whereby a search agent, appointed by your solicitor, calls at the offices of the local authority and the search is conducted there and then. This is not an official search, so will not protect you to the same degree, but if speed is of the essence, it can save weeks.

The key advantage is that you should be able to track the process of the purchase online

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