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You will be kept up-to-date on the progress of your application by e-mail

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

12 weeks to go Try starting a notebook to record details

Customers cashing-in an endowment policy in the first few years after inception can receive less than the amount invested

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

The mortgage like most others is portable should you move house, and providing you maintain the payments for the entire term of the mortgage you are guaranteed to repay the loan at the end of your selected period of borrowing

You may also speak to the seller directly

Lenders will also use credit reference agencies to obtain information about you

These tax-free accounts were split into two main alternatives, the Mini individual savings account and the Maxi individual savings account, both of which can be utilised to repay an interest only mortgage

Instantly compare hundreds of credit cards and rates to help you choose the best deal

You can choose cover according to your needs

5 to 3 times joint income

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

There are many different types of mortgages and there will be one out there that best suits you

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

Although both may vary, a deposit of between 5% and 10% is common, as is completion 28 days after exchange

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

Flexible Mortgages

In addition, borrowers will need a Contents Policy that provides cover for the contents, such as carpets, TV’s, furniture etc

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

Just Mortgages UK will explain the many schemes available and will help you to find the most suitable option for your circumstances

The definition of income may also change from one mortgage provider to the next

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