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For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

The seller may or may not be entertaining any new viewings, but if you have viewed the property and decided to make an offer (albeit late in the day) at least the seller will be aware of it

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

Ask the owner or agent why the sale collapsed

UK Pensions Advice

(Gazumping)

Possible diversion or closure of roads or footpaths

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

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

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

At the end of the fixed rate (or ‘benefit’) period the rate will normally convert to the lenders Standard Variable Rate (SVR)

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

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Personal Possessions (including cash) on an all risk basis, in and outside the home

Typically a borrower will be locked-in for 5 to 7 years where a substantial cashback has been paid

Some sites are also offering information about local schools, crime rates, and average property prices

SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

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

It is a basic inspection undertaken by a valuer on behalf of the lender for the purpose of determine whether a property is a sound investment on their behalf