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For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

Current Account Mortgage

The lender can give you a settlement figure, normally over the phone

Liaises with relevant parties and negotiates a date for completion

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

This could end up saving you time and money

a first-come, first-served fixed rate

5 to 3 times joint income

More information about endowments (which in the 1980’s and 1990’s were extremely popular), ISAs and Pension plans are below

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

In certain instances the valuation figure returned by the surveyor may not equal the purchase price

Ask why the current owners are selling the property

5%

There is no reason, as far as legal procedures are concerned, why this cannot be quicker

Buyers should check carefully any property they wish to buy for such restrictions

This is called a collar

Having difficulties obtaining a mortgage, because of CCJs, defaults, or arrears? We are experts in finding mortgages and loans for people with poor credit

So ask and make it a condition of any offer

Providing all payments are made in full, at the end of the term, no capital will remain outstanding