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Requests your deposit

An investor may only hold one of each Mini in any tax year

There is potential for higher returns than endowments

After completion, the buyer must pay stamp duty (if applicable) and must be registered as new owner with the Land Registry together with the details of any mortgage lender

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours

Its purpose is to verify and record legal ownership of the property and to record any securities (mortgages) or conditions adversely affecting the property

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

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

Save £s on your buildings and home contents insurance

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

There is no guarantee with this type of mortgage

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

Title searches at the Land Registry will also be carried out

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

Whether the property is a listed building or in a conservation area

This could end up saving you time and money

For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

A valuation of the property is supplied based on the approximate market value of the property

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

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

Investment managers may only be changed on an annual basis

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.