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a first-come, first-served fixed rate

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

This will prove handy at the time of making an offer

The Association of Residential Letting Agents (ARLA) says most landlords should be able to obtain gross rent equivalent to between 130% and 150% of the rental propertyıs mortgage repayments (interest only)

The APRs quoted by the lender will usually be typical rates, and these act as a guide only as the exact rate offered will be on an individual basis

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

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

A survey carried out by the mortgage lender should indicate what sum to insure

So ask and make it a condition of any offer

Ability to benefit from rate cuts as they occur

However it is possible to speed up the process by arranging a personal search

ISA The Individual Savings Account (ISA) is a tax free method of saving

Financial charges relating to work undertaken by the local authority, such as road works or repairs to dangerous buildings

You will be kept up-to-date on the progress of your application by e-mail

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term

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

Receives search results and deals with any problems revealed

This is an excellent option for the self employed

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

Repayment mortgage With a repayment mortgage you repay, normally on a monthly basis over an agreed term, the money you have borrowed (known as capital) plus the interest charged by the lender

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer