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It may be that there is more or less demand on a certain type of property or particular estates/areas

How long they been there and have there been any disputes? Internal Observations Does the property have central heating? If so, check when it was installed and last serviced

For a mortgage secured on a property, insurance may be required

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

Self Certification Mortgages

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

They deal with surveyors every day and should be able to recommend a good one

A good site will ask if you want to receive them or not

When viewing a property ask the question and try to establish a rapport with the seller

This protects the lender in case you do not repay the loan and your home has to be repossessed

Advantages: Monthly payments can adapt to the level of monthly income you receive

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

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

At least you then have the information regarding how the seller would rather proceed

As a consequence lenders frequently ‘lock-in’ borrowers by applying Early Redemption Charges for those paying off the mortgage early

Overtime and commission may be treated similarly

This is the rate that they apply to all their borrowers before making adjustments for any special offers that may be available at the time and should be examined in every case before making the final decision regarding the choice of lender

Watch out – the ERC can sometimes last longer than the fixed rate period e

Offers & Missives When you make an offer for a property you are only offering for the bricks, mortar and ground and the non-moveables

When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund

Ideally suited to the self-employed Individual Savings Accounts (ISA) Advice The Basics: Introduced in April 1999 individual savings accounts were designed to replace Personal Equity Plans

All lenders base their mortgage range around their variable rate of interest

Usually calculated on a daily basis and added to the loan either monthly, quarterly or annually

Ask why the current owners are selling the property