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Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all

A flexible mortgage linked to a current account

The level of taxation rises according to the property/land price

Be aware that valuations are just that - they are not a full structural survey

Cashing in the plans early may result in financial penalties

You are not looking for a guarantee of repayment at the end of the mortgage term

It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

Much depends on the agent, the seller and your confidence in your negotiation skills

If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

For borrowers moving house regularly, this can result in little of the capital being paid off

In most cases, it is simply not worth it

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

The redemption fee payable is often up to six times you currently monthly repayments

Payment is either up front, or added to the overall loan