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Particularly furnishings and fittings,

Assessments are generally made very quickly based on your personal circumstances

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

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

Mortgage Endowment Policies

5%

If any adverse comments on structure or conditions arise then it is wise to obtain quotations on any remedial work required

Before the exchange of contracts, you will have to agree on a date for completion of purchase

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

Typically a borrower will be locked-in for 5 to 7 years where a substantial cashback has been paid

carpets and curtains

This is referred to as a ‘redemption overhang’

Disadvantages: Unexpected increases in payments at term end

Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements

Flexible mortgage rates overcome this problem by allowing the borrower to make both over and underpayments into the account

What the search should highlight Any Planning notices

Interest is far more likely to be calculated on a daily basis