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Examine these policies carefully

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

There is potential for higher returns than endowments

Negotiation with a lender is possible

Take note of the neighbours - Do they have overlooking views? Do they have pets, or caravans that may end up being a nuisance? Accept a tour by the owner or agent

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

At the end of the term, therefore, you will need to repay the capital

Land Registry Fees Land Registry Fees are based on the purchase price of the property. The fee is effectively an administration charge for registering your ownership of the property and or land.

In return you usually agree to pay the variable rate charged by the bank or building society, for a specified term

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property

Being hit by an unexpected redemption fee can put a serious dent into your finances

If you are not happy with the answer, investigate further or walk away

Understandably this is due to protecting their investment

Ask about the sellers position

The interest rate can fluctuate and is not fixed at the initial rate of interest

There can be a shortfall in the fund within your investment meaning the cost of your interest only mortgage may increase over the term or alternatively you may be left with an extra sum of money to find at the end of the loan

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

- Are school catchment areas, commuting or environment an issue? Contact a solicitor to access their quality of service

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

Most agents are pretty determined in their approach and will be interested in selling you more than a property

APR may vary

The valuation cost is likely to be at least £150 and becomes payable as soon as you wish to proceed with buying a property

Home working equipment cover

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

One other factor on which there is a debate as to how it will be treated is the aspect of adverse credit details