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

This will vary between lenders and products

Overpayments and lump sum payments into your mortgage account can be made reducing both the interest and capital amounts repayable

As you would expect lenders apply an Early Redemption Charge with cashback mortgages

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

The redemption fee payable is often up to six times the currently monthly repayments

Most recent P60 Whilst the banks and building societies will all have different specific requirements these are usually required in all circumstances

There are more properties on the market than there are buyers

Arriving at the property Before knocking, take a few moments to observe your first impressions

For more information see: Searches - what they should highlight Land registration The Land Registration fee will cost from £40 to £800

Making an offer in its self is a simple process, but getting the price you want or simply securing your ideal home may require a bit more determination and skill on your behalf

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Set your price range and when you would ideally wish to move

Most lenders and insurance companies offer a combined Buildings and Contents Policy

In certain instances the valuation figure returned by the surveyor may not equal the purchase price

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours

Repayment Mortgages UK

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

Check to see if this applies with your lender or solicitor

A fixed interest rate will stay the same throughout the term of your loan, regardless of any changes in the bank base rate

Avoidance of early redemption penalties