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The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

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

This may include: Accidental building damage, for example spilling paint down a wall or on your patio

What limitations apply to your current mortgage rate

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

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

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

You have an offer on your property - The further into the processes of selling your home, the better

In many cases if approached sensibly, a happy medium can be reached

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

With discount mortgages borrowers need to watch out for ‘payment shock’

Ideally suited to the self-employed Individual Savings Accounts (ISA) Advice The Basics: Introduced in April 1999 individual savings accounts were designed to replace Personal Equity Plans

It is still possible to have up-front charges for discounted products and an Early Redemption Charge is common

Some short term discount products offer a ‘deep discount’ e

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict