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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.

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

So ask and make it a condition of any offer

During the early years you will find the charges in certain policies will eat into the premiums and reduce the amount you are accumulating towards the repayment of your mortgage

A good site will enable you to register your requirements and send you the latest property details by email

Hence in this situation you are likely to stand a greater chance of obtaining a significant price reduction

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

Your monthly repayments consist of repaying the capital amount borrowed together with accrued interest

Gregory Pennington Bains & Ernst STEP 3 - HOW AM I PROTECTED? Personal loans are governed by the Consumer Credit Act 1974

Whereas in Scotland, the survey is completed before making a formal offer

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

5%

Upon making an offer via the agent or directly to the seller, the experienced seller is likely to take into account several factors over and (in many cases) above the offer price itself

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

Advantages: The only option with a 100% guarantee that the loan will be repaid in full at the end of the term

They are more expensive than the lenders valuation

Interest only

This is usually linked to the amount of cashback provided

Garden Cover - While most buildings insurance provide cover for patios, paths and driveways