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5% on a normal lending limit of 75% loan to value

Your local borough council or solicitor will be able to provide you with the exact cost

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

Irrespective of movements in the interest rate your monthly payments will not change

This will contain a number of conditions and other requirements that your solicitor will discuss with you

This is an excellent option for the self employed

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

The seller is legally required to answer these enquiries honestly! But do they? We believe not always

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

Suitability: A cash back mortgage is the most suitable option in a number of circumstances the most common being those identified below:

First time buyers

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

The key advantage is that you should be able to track the process of the purchase online

Why indexed linked? - As time goes by, the rebuild and repair costs of any property damage are likely to increase, thus if the sum insured does not rise in relation to these, you will end up being under insured

Self-Build Mortgages This is a mortgage for applicants who are building their own property. The loan is usually released in stages as the building progresses.

Stamp duty Stamp Duty is a UK government based tax on properties bought throughout the UK. It becomes payable upon completion of your purchase and is normally paid through your conveyancer. more info: Current Fees

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

Most mortgage schemes, in return for offering you a lower initial rate, will require you to stay with that scheme at least for the period of the Discount, Fix or Cap, and often longer

Financial charges relating to work undertaken by the local authority, such as road works or repairs to dangerous buildings

This is usually linked to the amount of cashback provided

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

Location : Normally an agent will ask for a number of areas Do you need finance? If not how are you financing the purchase? Is it dependant on selling a property? If you have registered with an agent and your not getting any details