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Particularly furnishings and fittings,

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

This rate is known as the Annual Percentage Rate (APR)

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

4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

Endowment ISA Plan Pension Endowment The most common type of interest only mortgage which also provides life assurance cover and a fixed payment for investment

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

So ask and make it a condition of any offer

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

Arrangement fees are common on fixed and capped rate mortgages

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

Buildings survey Also known as a structural survey

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

Mortgage lenders require that neither the buyer nor the seller have a bankruptcy notice registered against them

You are then free to move into your new home

Plan and think ahead

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

Obtaining quotes for conveyancing is simple

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

This will depend on future investment performance

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

This will prove handy at the time of making an offer

Depending on the amount of loan and the LTV the Mortgage Indemnity Guarantee charge can be a significant cost e

Its purpose is to verify and record legal ownership of the property and to record any securities (mortgages) or conditions adversely affecting the property

Find out what else is included in the sale

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

A valuation of the property is supplied based on the approximate market value of the property