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The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

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

For a borrower wanting one home for their finances this is an attractive option

Buyers should check carefully any property they wish to buy for such restrictions

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

Check this out with your solicitor or lender

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

At this point you will need to pay your share of the property purchase to your solicitor who will exchange this and the money from the mortgage provider for the Disposition (or Title Deed)

The above mortgage products may have other criteria which will require evaluation before deciding if the product is suitable for an individual

At the end of the term, therefore, you will need to repay the capital

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours

Letting agents will on average charge 10% of the rental, or 15% if they are responsible for such things as repairs, complaints and other matters

You will be kept up-to-date on the progress of your application by e-mail

In either case the difference will need to be found before completion

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

It is normal for lenders to check that any policy arranged is adequate and a fee will sometimes be levied to check the policy, if the borrowers take a policy other than the one sold or recommended by the lender

5%

Capped Rate Mortgage

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

The borrower remains liable for any shortfall on the mortgage hence the outstanding balance will need to be paid off from other resources

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

It provides no benefit to you, it is for the lenders protection only

Whether the property is a listed building or in a conservation area

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

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

There may need to be further formal letters before both parties are in full agreement and your offer is accepted