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If the property was purchased outright, the buyer keeps the deeds

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

They will also find that the mortgages they can get will be at a higher interest rate

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

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

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

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

Possible diversion or closure of roads or footpaths

Other factors may well be involved

The cost of the survey is usually between £150 and £300 and provides a more in-depth inspection of a property

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

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

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

Dealing with adverse valuations Adverse valuations occur in certain instances where the valuation figure is lower than purchase price of the property

Sometimes it will match the period of the discount/fix but often it can go beyond the benefit period e

This mainly occurs in a sellers market or where the property is of rare value

Anywhere between 1% and 12% cashback has been available

Insurance Lenders will insist that the property is adequately insured, with a suitable Buildings Insurance Policy, as it represents security against the mortgage debt

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

Location, location, location What local amenities are there? What are the local schools like? - A good school catchment area may effect property value

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to