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

5%

DISADVANTAGES If the proceeds of the repayment vehicle do not achieve the amount expected, then there will be a shortfall

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

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Your solicitor will also be checking the exact description of the property and any title burdens

Sewers and drainage

Borrowers who anticipate rising interest rates

The law on moveables is quite complex

A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property

Note, the fee is usually non-refundable

Be precise when filling out the registration forms

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

This will vary between lenders and products

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

Your solicitor should be able to advise you on the current search time

The fixed payments are based on the amount of the loan together with the mortgage term and are designed so that, at maturity, the amount invested and earnings are sufficient to pay off the mortgage

They should be included in the sale

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

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

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

If for any reason your application is declined, may be able to direct your application to a provider who can help

A good starting point is to offer around 5% to 10% less than the asking price, although this greatly depends on market conditions

Check this out with your solicitor or lender

If you have a mortgage, the lender will insist that you take out this type of policy

Disadvantages: Generally the rate will not be competitive in relation to the market

We recommend taking a look at homecheck

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

a) Inform the vendor/agent about the dilemma to see if an agreement can be made regarding a reduction in the sale price

With this type of mortgage, interest may be calculated on a daily or weekly basis

The standard period is 14-28 days after exchange