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Especially considering that they had gone to the expense of paying for a building survey

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Lenders will also use credit reference agencies to obtain information about you

Redemption penalties can prevent restructuring of your mortgage and associated finances

5 to 3 times joint income

It acts as a form of insurance for the lender not the borrower

Interest only

Commonly a lender will require a non-refundable up front booking fee to be paid on application to reserve the mortgage

Free Legals or a Contribution Towards Conveyancing Costs More common on products aimed at the remortgage market but a frequent product ‘enhancement’

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

linked with a discount, but pure cashback products are not uncommon

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

Arrangement fees are common on fixed and capped rate mortgages

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

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

A Home Buyers report, generally suitable for most modern homes conventional in type and construction