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If you want to continue, find out if the previous buyer had completed the searches or any survey

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

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

Payment holidays are permitted

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

There is no reason, as far as legal procedures are concerned, why this cannot be quicker

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

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

Disadvantages: Generally rates for capped mortgages will be slightly higher than those of the fixed rate mortgages available, although this is largely led by market forces and has not been the case in recent years

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

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

So make sure you get the facts

Homeowners with older mortgages only have to wait eight weeks to get half of their interest paid, and after 16 weeks they get it all paid

5%

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

The main thing to do is your homework and seek specific advice relating to your circumstances from a qualified professional