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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

Compare life insurance quotes instantly through our independent systems

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

Providing the product has a red apply icon, you can submit your application without leaving our site

Booking fees are often non-refundable, so if the mortgage applicant cancels the mortgage application before completion the fee will not be reimbursed

So we know our specialist advisers can provide you with the mortgage that best suits your needs

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

Outline Information is available free of charge, by entering a postcode

Especially if you are intending to take out a new loan or transfer your existing loan to another lender because they offer better rates or terms

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

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

They are not available for business purposes and some other uses may also be excluded, for example the purchase of timeshare properties

All lenders will insist on buildings insurance as the very minimum

With this type of mortgage, interest may be calculated on a daily or weekly basis

Receives search results and deals with any problems revealed

A buildings policy covers against storm damage, fire, flooding etc and relates to the fabric of the house or flat etc

All formal letters and missives go to create the contract

Each year the amount owed will decline

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made