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Listed below are examples of some of the best deals around

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

On-line conveyancing On-line conveyancing is one of the latest improvements in the legal process of buying and selling

The cover and cost does vary between lenders and you should check what their policy includes, and just as importantly, what it excludes

APR may vary

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

Borrowers paying the Standard Variable Rate will have their payments increase or decrease as the lender adjusts the rate in accordance with market conditions

When registration is complete, the title deed to your lender for safekeeping

In such cases there are three possible routes of action that may be of help

Before the exchange of contracts, you will have to agree on a date for completion of purchase

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

DISADVANTAGES If the proceeds of the repayment vehicle do not achieve the amount expected, then there will be a shortfall

Not all buyers pull out as a result of the condition of property itself, but it is worth noting that further enquiries should be made as to the reasons for a previous buyer pulling out

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

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

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

The seller is legally required to answer these enquiries honestly! Prepares and sends a package of legal information and draft contract, setting out the main terms agreed, the names, price, special terms, and details of the legal ownership Requests a settlement figure for your mortgage and any other secured loans

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

If applicable, a redemption fee will come into effect when you repay/terminate the mortgage within the redemption term, as set out in your mortgage advance

There is also the potential to receive a tax-free lump sum once the capital amount owing has been repaid, or to reduce the term of the mortgage if the target amount is achieved early

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

The period of borrowing is in excess of say 12 years

This rate is known as the Annual Percentage Rate (APR)

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase