right to buy, mortgage loan

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Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

5 to 3 times joint income

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

For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

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

A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property

If you have any doubts check with the lender

However, most vendors are reluctant to take the hit on the full amount

In addition, borrowers will need a Contents Policy that provides cover for the contents, such as carpets, TV’s, furniture etc

Check for built-in appliances

Unit Linked – Once again investors funds are pooled and then used to purchase units in stock market linked investments

Areas to pay particular attention to in selecting your cover are: Cover for any accidental damage

5% of the value of the property for your conveyancing

Portable Mortgages Some mortgage products are portable (subject to the lender’s policy), which means if you move home you may be able to transfer your existing mortgage onto the new mortgage for your new home if you stay with the same lender.

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

There is a wide range of contents insurance options and packages on the market

The seasoned mover is likely to have learnt from past experiences to exactly that

Replacing any damaged, lost or stolen items on a new for old basis