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12 weeks to go Try starting a notebook to record details

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

How long does your present fixed, discounted or capped rate last for

It will cover problems such as collapse or serious distortion of floor joists or the roof

where the loan is not much less than the value of the property, it is common practice for the lender to take out a form of ‘insurance’ to protect against some or all of the losses incurred if the property needs to be taken into possession because of serious arrears

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Endowments provide life assurance so that in the event of death the mortgage is paid off

It is worth noting that the average property purchase price in the UK has now hit over £100,000

Charges can be significant

carpets and curtains

Check to see if this applies with your lender or solicitor

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 lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

When viewing a property ask the question and try to establish a rapport with the seller

Borrowers confident that the mortgage rate is likely to fall

These bonuses termed either annual or reversionary cannot be taken away

They will also find that the mortgages they can get will be at a higher interest rate

the mortgage does have an Early Redemption Charge but it does not last longer than the fixed, capped or discount period

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees

g Loans for holidays may be restricted to a 12 or 24 month term)

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

Ask the owner or agent why the sale collapsed

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

It should also be noted that whilst a Maxi has a single investment manager for all three elements the Mini ISAs will have an individual manager per element therein

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

you as a loyal customer with a new loan

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 property¹s mortgage repayments (interest only)

Some websites are also offering information about local schools, crime rates, and average property prices

Free Valuation or Refund of Valuation A free valuation requires no up-front payment from the mortgage applicant whereas a refund will only be made when and if the mortgage application completes

At least you then have the information regarding how the seller would rather proceed