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The maximum limit is £1,000 (£3,000 in the current tax year) for stocks and shares and cash, with the insurance element being £1,000 immediately

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

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

Mortgage lenders are pretty strict on what kind of survey they require and who completes the survey

Possibility of losing out should interest rates fall below your agreed rate

Typically as a first time buyer you may have less deposit at your disposal and may be seeking cheaper mortgage rates in the earlier years

Having a mortgage in principle means you should be able get the actual mortgage quicker when the race to buy your chosen home begins

Searches are often one of the major causes of time delay

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

Find out what else is included in the sale

You never know, it could be a deciding factor involved in your decision to purchase or not

5%

It is vital therefore that you discuss this complex area with an adviser as in many circumstances a more competitive rate may be available form a lender who will be more sympathetic to your particular circumstances

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

The seasoned mover is likely to have learnt from past experiences to exactly that

The area of self-certification mortgages is a relatively new one which is proving popular due to the changing working environment

A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

It is still possible to have up-front charges for discounted products and an Early Redemption Charge is common

Be prepared

Another form of insurance common in the mortgage industry is a Mortgage Payment Protection Plan

Variable Rate Mortgages

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

The process of registration is usually conducted via a solicitor