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It is worth noting that the average property purchase price in the UK has now hit over £100,000

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

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

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

This final bonus is not guaranteed in any way

Advantages: With the built in life assurance and in most cases critical illness insurance the overall cost is usually lower

The customer is charged mortgage interest on £48,000 i

Sometimes it will match the period of the discount/fix but often it can go beyond the benefit period e

Check for built-in appliances

Possibility of losing out should interest rates fall below your agreed rate

Listed below are examples of some of the best deals around

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

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

So as a rough ‘rule of thumb’ a capped rate is better to have than a fixed if all other factors are equal

Imagine each room empty

Suitability: A fixed rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Larger borrowings

There is potential for higher returns than endowments

It is normal practice to specify in an offer exactly what moveables you want to ensure that these are included in the sale and that there is no room for miss interpretation

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work

The process of registration is usually conducted via a solicitor

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

Plan and think ahead

These are known as regulated loans

For a borrower wanting one home for their finances this is an attractive option

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

The main benefit of flexible mortgages is that many schemes are offered on a Daily or Monthly Interest Calculation basis (sometimes referred to as ‘daily rest’ or ‘monthly rest’)

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make