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STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

Freehold A freehold gives the buyer complete ownership of the land and buildings on it. Freeholders can therefore do what they like with their property and land, subject to general law (particularly planning control) and to the lawful rights of others. The fact that a property is available as a freehold, usually adds to the value over that of a leasehold.

In this, the seller agrees to a period during which they promise not to enter an agreement with anybody else

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

Each case should be taken on its own merits

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

Just offer independent advice with regard to over 4,600 mortgage products

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

A good site will ask if you want to receive them or not

Therefore, a reputable agent will forward all offers to their client even if these are made after an offer has been accepted

Borrowers confident that the mortgage rate is likely to fall

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

Capped Rate Mortgages

If significant defects are identified, the surveyor may suggest further investigation by an specialist

This is referred to as a ‘redemption overhang’

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

Endowments provide life assurance so that in the event of death the mortgage is paid off

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

Try also to avoid costly contract races where the seller accepts several offers and the first buyer to exchange contracts gets the property

Assuming that you have your financial preparations in place (a mortgage in principle)