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If significant defects are identified, the surveyor may suggest further investigation by an specialist

It is common practice for lenders to pass this charge on to the borrower

If you completed our application form, it will be passed to your chosen provider in order that they may process it

This form of insurance is not compulsory

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

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 amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

Note any parking facilities or restrictions

Another form of insurance is Mortgage Indemnity Guarantee

where the loan is not much less than the value of the property, it is common practice for the lender to take out a form of ‘insurance’ to protect against some or all of the losses incurred if the property needs to be taken into possession because of serious arrears

Noise abatement orders

All lenders will insist on Buildings Insurance as the very minimum

Initial property enquiries This is where much time involved in selling and buying is wasted

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

During the early years you will find the charges in certain policies will eat into the premiums and reduce the amount you are accumulating towards the repayment of your mortgage

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

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