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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

Most agents are pretty determined in their approach and will be interested in selling you more than a property

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

Searches are often one of the major causes of time delay

The amount will vary from lender to lender and on the size of the mortgage

Exposure to interest rate rises

5 to 3 times joint income

The rate will also provide a buffer against increases in the interest rates

Personal Possessions (including cash) on an all risk basis, in and outside the home

This will prove handy at the time of making an offer

Some will allow for bonuses and some will only allow 50% of bonus

Buyers Market

Check to see if this applies with your lender or solicitor

Ensure that you know how the settlement figure is made up

(Gazumping)

So ask and make it a condition of any offer

Borrowers confident that the mortgage rate is likely to fall