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For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’

INTEREST RATES ON MORTGAGES When you have chosen the right mortgage for you, whether it be a repayment or an interest only mortgage, you will need to consider the 4 main mortgage rate options available

This tends to be around £200 - £250 and becomes payable as soon a the reservation is made

Tree preservation orders

Lenders are constantly providing new ways for borrowers to save money if they switch their mortgage from their existing lender to a new one

There are several factors that we will look at in detail and discuss with you the main items being: What limitations apply to the end of any product we are considering? Is there a lock in and if so for how long? What is the lenders variable rate – how does this compare? Is there any mortgage indemnity to pay? (Mortgage Indemnity is a premium paid to a lender in order to purchase an insurance policy against future loss

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

Ask about the sellers position

There are two basic types of endowment policy – the with profits version and the unit linked version

You do not mind taking some degree of financial risk

a 5 year discount with a 7 year ERC

If a redemption fee does apply, all is not lost

Freehold A freehold gives the buyer complete ownership of the land and buildings on it. Freeholders can therefore do what they like with their property and land, subject to general law (particularly planning control) and to the lawful rights of others. The fact that a property is available as a freehold, usually adds to the value over that of a leasehold.

Upon making an offer via the agent or directly to the seller, the experienced seller is likely to take into account several factors over and (in many cases) above the offer price itself