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First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

Suitability: A capped rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Individuals wanting more flexibility in terms of rate decreases than fixed rates but still wishing to limit the amount of their maximum monthly payments

Overtime and commission may be treated similarly

Your lender agrees a set rate of interest for a specified period of time

Note, the fee is usually non-refundable

Personal Possessions (including cash) on an all risk basis, in and outside the home

Lockout agreements and contract races Preferable at the time of offer try to ensure that the agent and the seller agrees that higher offers will not be entertained (gazumping)

An estate agent has the duty by law to inform the seller of all offers made on their property, regardless of an offer having already been accepted

Mortgage Indemnity Charge (sometimes referred to as a High Percentage Lending Fee) For high Loan to Value (LTV) mortgages i

Payment is either up front, or added to the overall loan

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

The deposit is handed over to the sellers conveyancers and then a final completion statement is made by both parties conveyancers

The valuation does not represent a detailed inspection

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

The standard period is 14-28 days after exchange

Fortunately there are a number of mortgage deals promoted by lenders aimed specifically at first time buyers

As a consequence lenders frequently ‘lock-in’ borrowers by applying Early Redemption Charges for those paying off the mortgage early

Sewers and drainage

Note any parking facilities or restrictions

Home Mortgage Rates

Suitability: An ISA linked mortgage is the most suitable option in a number of circumstances the most common being those identified below: This option is suitable for individuals willing to take some degree of financial risk

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

If you are considering protecting your repayments in the event of accident, sickness, unemployment or death, why not browse our Income Protection finder

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them