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

This final bonus is not guaranteed in any way

When the benefits are eventually taken, the mortgage is repaid using tax-free cash from the remainder of the fund

Cashing in the plans early may result in financial penalties

There are limits applied to all contributions

Disadvantages: It is highly debatable as to whether or not it is wise to use a proportion of your retirement savings to pay off your mortgage

Overtime and commission may be treated similarly

a first-come, first-served fixed rate

Again, if you have any concerns about this, your solicitor will be able to advise you

APR may vary

Payment holidays are permitted

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 elements incorporated within the plan include cash, stocks and shares as well as insurance elements

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

First time buyers looking for security during the first few years of setting up home

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

It occurs when the seller accepts a higher offer from another buyer after already having accepted yours

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

It may also give you a good indication regarding the seriousness of intent to sell

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

Another form of insurance common in the mortgage industry is a Mortgage Payment Protection Plan

The amount provided by the investment product cannot normally be guaranteed

This is widely accepted as the most straightforward of the mortgage options

12 weeks to go Try starting a notebook to record details

See below for more information about these features

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

The lender will discuss the level of survey required, but at the very least will require a valuation of the property before agreeing to any mortgage advance

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property