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Set your price range and when you would ideally wish to move

An arrangement fee is typically charged on completion of the mortgage

Save £s on your buildings and home contents insurance

carpets and curtains

This could end up saving you time and money

Endowments provide life assurance so that in the event of death the mortgage is paid off

The offer will have numerous conditions which are designed to ensure that you encounter no problems when you move into the property

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

The opportunity to take payment holidays without incurring large penalties

When lenders quote their APRs they will state whether these are typical or whether they are set at one rate for all successful applicants, regardless of the risk they present

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

Alternatively, you may be seeking the security of a guaranteed mortgage rate which will provide peace of mind by ensuring that your monthly mortgage payments do not fluctuate

Higher rate taxpayers may benefit from this option

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

Repayment Mortgages UK

This is more likely to occur within the first 3-5 years of the mortgage term and more common with discounted, deferred or fixed mortgages

Take note of the neighbours - Do they have overlooking views? Do they have pets, or caravans that may end up being a nuisance? Accept a tour by the owner or agent

Some lenders will offer even larger cashbacks if you agree to pay a premium over the variable rate

Avoidance of early redemption penalties

Exposure to interest rate rises

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

UK Pensions Advice

The market conditions are in your favour (see details above)

If added to the loan then interest is charged over the duration of the loan

Only one Maxi individual savings account may be held in any one tax year

There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances

A booking fee will normally be required with the application form

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

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

Fixed rate mortgage The biggest advantage of a fixed rate mortgage is that, irrespective of fluctuations in interest rates, your monthly repayments remain the same throughout the period of the fixed rate

Searches are often one of the major causes of time delay