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

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

The survey does not necessarily supply a property valuation, but it should highlight any defects that could end up costing a fortune to make good

External Observations Ask to see the garden and the garage

How long they been there and have there been any disputes? Internal Observations Does the property have central heating? If so, check when it was installed and last serviced

g Loans for holidays may be restricted to a 12 or 24 month term)

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments

This is the rate that they apply to all their borrowers before making adjustments for any special offers that may be available at the time and should be examined in every case before making the final decision regarding the choice of lender

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

Payment is either up front, or added to the overall loan

They will also find that the mortgages they can get will be at a higher interest rate

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller