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Arriving at the property Before knocking, take a few moments to observe your first impressions

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

carpets and curtains

Redemption fees If you already have a mortgage on your existing property then it is possible that a redemption fee may apply

Noise abatement orders

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours

Most insurance companies will have extended buildings cover options which are well worth considering

Ask about the sellers position

It is important to note that this is not an official search

The Maxi individual savings accounts combine three basic elements in one plan, with a limit of £5,000 (£7,000 in the current tax year) being placed on the investment

What the search should highlight Any Planning notices

If you are mortgaging the purchase of your property then the lender will make it a condition that you take out their Mortgage Indemnity Insurance

29% 2 year fixed fee free, no extended ties

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Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

In summary you will find numerous different methods of calculating the maximum LTV but the figure once stated is usually non-negotiable

Mortgage Endowment Policies

Put the owner on the spot and see what reaction you get

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property

Only one Maxi individual savings account may be held in any one tax year

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