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

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

The money may only be drawn from a pension policy when the policyholder reaches retirement age

Remember, it is your responsibility to get the correct sum insured

insurance and finance

Considering the current market conditions Excluding the property itself, the current condition of the national market is a significant factor in the process of negotiation

Individuals utilising short-term finance arrangements to provide their deposit

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

Have there been any previous offers and what happened to the sale? Having had a previous buyer does not necessarily indicate that there is a problem with the property, but it does require investigation

A number of these flexible mortgages may also offer the ability to operate your mortgage account as a bank account with the option to make withdrawals in certain circumstances

Watch out – the ERC can sometimes last longer than the fixed rate period e

Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements

What limitations apply to your current mortgage rate

The offer includes the purchase price, date of entry, alterations and specialist works together with any inclusions such as carpets and curtains etc

Setting the completion date The standard time between exchange of contracts and completion is four weeks

Try not to widen your search in too much

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

Before making an advance, your mortgage lender will require a valuation report as a minimum