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A buyer will also have to instruct a survey to be carried out on the property to establish its true condition

Larger borrowings

The valuation cost is likely to be at least £150 and becomes payable as soon as you wish to proceed with buying a property

It is worth noting that the shorter you make the administrative process, the more organised you will need to be

In either case, having prepared the ground an agent will notice that you have put some work into sorting a few thing out, thus take you seriously

Normally just complete a form online and a price is given

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

Understandably this is due to protecting their investment

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

will need to be addressed during this period of pre-contract enquires

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

Liaises with relevant parties and negotiates a date for completion

The typical cost is £50 to £100 and the search is conducted by a solicitor

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

This will contain a number of conditions and other requirements that your solicitor will discuss with you

Each year the original capital sum will remain outstanding

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

5% on a normal lending limit of 75% loan to value

This is known as an Adverse Valuation and may occur due to any number of factors, but in most cases it is connected with the condition of the property

A fixed rate mortgage is suitable if your mortgage repayments take up a large proportion of your income as it protects you from any sudden and unexpected rises in interest rates

If asked, the seller will let you know how they would like to proceed

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

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

The period of borrowing is in excess of say 12 years

At the end of the term, therefore, you will need to repay the capital

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy