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Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

This is more likely to occur within the first 3-5 years of the mortgage term and with discounted, deferred or fixed mortgages

Your mortgage lender will insist on a property survey before approving your mortgage

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

The money may only be drawn from a pension policy when the policyholder reaches retirement age

This may reveal other factors that will not appear on any formal search

If asked, the seller will let you know how they would like to proceed

If it is going to happen then it is likely to occur between acceptance of your offer and exchange of contracts

For example, setting the price range on your next home

Proposed road works within 200 meters of the property

This tends to be between £25 - £50 and may be avoided if enough objections were made

So make sure you get the facts

To obtain a mortgage in principle you will need go through the same motions as applying for an actual mortgage

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

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

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

29% 2 year fixed fee free, no extended ties