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Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

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

Be precise when filling out the registration forms

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

linked with a discount, but pure cashback products are not uncommon

Know which location/s you prefer

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!

The typical cost is £50 to £100 and the search is conducted by a solicitor

99% 2 year discount, no extended ties fee free remortgage

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

The capital amount is to be repaid at the end of the period agreed

Compare the property with surrounding properties

5%

An endowment policy is a commonly used investment product to repay the capital, although there are other alternatives

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

Interest only

If you had planned on having any new furniture or appliances, order them now and if possible withhold delivery until you know exactly when you are moving in.

Information Required There are a number of common items that will be required in order to obtain a new mortgage and listed below are the most common: 3-6 months pay slips 3-6 months bank statements

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

Listed below are examples of some of the best deals around

If you do have difficulty making your repayments you should seek advice from your lender immediately

The most important fact about an interest only mortgage is that the monthly repayments do not repay any of the outstanding capital balance

Note there is no guarantee that, when the endowment matures and ‘pays out’, the balance will be sufficient to repay the mortgage

In most cases, it is simply not worth it

Further fees such as arrangement fees are also frequently experienced with this type of rate

All lenders will insist on Buildings Insurance as the very minimum

Be aware that making an offer may have legal consequences for you

- keeping them all in one place for when you need them