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Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

Compare the property with surrounding properties

99% 2 year discount, no extended ties fee free remortgage

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

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

This form of insurance is not compulsory

Individuals utilising short-term finance arrangements to provide their deposit

In return for an annual or monthly premium the insurance company will cover the cost of replacing or repairing an item that is lost, stolen or damaged

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

Written quotations are available on request

If you have a mortgage, the lender will insist that you take out this type of policy

Check the plumbing and wiring

Each case should be taken on its own merits

The initial pay rate would therefore be 3

The philosophy behind this type of mortgage is that all your money reduces the outstanding balance on your mortgage, and, as the interest is calculated daily, your interest payments are correspondingly reduced

The idea behind the pension mortgage option is to link the amount of this lump sum to the amount borrowed

However, it is often overlooked that you may approach the seller or agent to negotiate a shorter period

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