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Your mortgage lender will insist on a property survey before approving your mortgage

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

Disadvantages: There are currently a relatively small number of lenders offering this type of mortgage at present

Protecting the property itself against disaster and you in relation to the legal liability to the public are essential aspects to property ownership

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

The customer is charged mortgage interest on £48,000 i

Without an appraisal, it is going to be difficult to plan ahead

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

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies

See below for a quick guide to secured loans

This also means that persons who are self-employed, or who have recently changed jobs, or who have adverse credit can take out a loan

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

Personal loans are repayable monthly

So ask and make it a condition of any offer

Outline Information is available free of charge, by entering a postcode

carpets and curtains, wall lamps, etc

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

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

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

Cashing in the plans early may result in financial penalties

When registration is complete, the title deed to your lender for safekeeping

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