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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

These are normally paid by bank or building society draft to ensure that they will be cleared in plenty of time for the date of entry

If significant defects are identified, the surveyor may suggest further investigation by an specialist

Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it

One other factor on which there is a debate as to how it will be treated is the aspect of adverse credit details

A buildings policy covers against storm damage, fire, flooding etc and relates to the fabric of the house or flat etc

Individuals utilising short-term finance arrangements to provide their deposit

Disadvantages: Generally rates for capped mortgages will be slightly higher than those of the fixed rate mortgages available, although this is largely led by market forces and has not been the case in recent years

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

Particularly furnishings and fittings,

A capped rate mortgage is very similar to a fixed except that if the variable rate drops below the capped rate, the borrower will make payments based on the lower variable rate

See below for a quick guide to secured loans

If you have a mortgage, the lender will insist that you take out this type of policy

We recommend taking a look at homecheck

They are more expensive than the lenders valuation

You should also receive a summary of the present state of the property along with any recommendations concerning future maintenance

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

The area of self-certification mortgages is a relatively new one which is proving popular due to the changing working environment

This can be of great advantage in determining outline information before you go to the time and expense of having a survey and local searches made

There is no reason, as far as legal procedures are concerned, why this cannot be quicker

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

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work

This policy is designed to offer income protection against unemployment, sickness and redundancy

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

Check for built-in appliances

It is still possible to have up-front charges for discounted products and an Early Redemption Charge is common

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

The amount you repay the lender each month can be at a fixed interest rate for a certain period of time, regardless of the interest rate in the market place

Legal Fees It is necessary to have a solicitor or licensed conveyancer to act on behalf of the mortgage applicant and the lender in the house purchase or remortgage transaction

Annual Versus Daily Interest Rate Calculations Some lenders offer mortgages with daily or with annual interest. The best option depends on your personal circumstances, for example if you know you will want to make overpayments or regular capital payments on your mortgage, you should probably consider a daily interest type mortgage. However, if flexibility of payment is not a requirement, annual interest may be more appropriate.

Subject to your circumstances, you may be able to borrow up to 125% of the property value

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you