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It is important to note that this is not an official search

This protects the lender in case you do not repay the loan and your home has to be repossessed

lender agrees on completion of the mortgage to provide you with a set percentage of amount borrowed as a cash payment

Location : Normally an agent will ask for a number of areas Do you need finance? If not how are you financing the purchase? Is it dependant on selling a property? If you have registered with an agent and your not getting any details

Preliminary Observations Ask about the cost of council tax and utilities with the seller

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

Compare the property with surrounding properties

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

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

It is best to find out the sellers position during the viewing, having plied as much information from the agent beforehand

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

Check it out and see how the neighbourhood is rated

Borrowers will be required to remain on the lenders variable rate of interest for a pre-determined period of time

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments

In addition lenders frequently apply an Early Redemption Charge (ERC) for fixed rate mortgages

It is not permissible for holders of a Mini individual savings account to open a Maxi individual savings account and vice versa

This policy is designed to offer income protection against unemployment, sickness and redundancy

5 times a single salary and 2

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

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

Some will allow for bonuses and some will only allow 50% of bonus

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

Receives mortgage offer and deals with all the conditions on your behalf

In England and Wales a survey is normally made after the offer has been accept subject to contract

Check for built-in appliances