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Typically as a first time buyer you may have less deposit at your disposal and may be seeking cheaper mortgage rates in the earlier years

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

If so, be bold and ask to see them

Normally the cashback is offered as a package of benefits e

A Self-Certification mortgage allows you to state your income without providing the usual documentary evidence providing that your mortgage falls within certain stated criteria

The following planner will help focus on what needs be done and when

At the end of the term, therefore, you will need to repay the capital

Contrary to popular believe, lenders can be flexible

Ideally suited to the self-employed Individual Savings Accounts (ISA) Advice The Basics: Introduced in April 1999 individual savings accounts were designed to replace Personal Equity Plans

The amount provided by the investment product cannot normally be guaranteed

No further funds can now be put into Personal Equity Plans

When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund

Compare mortgage rates to find your ideal mortgage, or see how much you could save by changing lenders and re-mortgaging

Borrowers confident that the mortgage rate is likely to fall

More detailed reports are also available for a small fee

This tends to be between £25 - £50 and may be avoided if enough objections were made

UK Pensions Advice

Take note of the neighbours - Do they have overlooking views? Do they have pets, or caravans that may end up being a nuisance? Accept a tour by the owner or agent

However, in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

However in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

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

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

So we know our specialist advisers can provide you with the mortgage that best suits your needs

Buyers should also be aware that they are responsible for the insurance of the property after the exchange of contracts

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

Buy to Let Mortgages

It may be possible to renegotiate the price of the property taking into account to costs of any work required