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Popular in the late eighties and the nineties an endowment policy is a combination of two basic elements, namely a savings plan and a life assurance policy

Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

They deal with surveyors every day and should be able to recommend a good one

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Lenders charge interest on the amount you borrow, which is referred to as the Annual Percentage Rate (APR)

The purpose of the search is to discover if there are plans for nearby development that could potentially affect the property

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender

Base Rate Tracker Mortgages

All lenders base their mortgage range around their variable rate of interest

Are they in a chain? How quickly do they want to move? Ask if the agent has a sole agency agreement Having been satisfied with your initial enquiries, it is now time to book a viewing

If you had planned on having any new furniture or appliances, order them now and if possible withhold delivery until you know exactly when you are moving in.

Current Account Mortgage (CAM)

With this type of mortgage, only the interest is paid off with each mortgage payment

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

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

Noise abatement orders

Listed below are examples of some of the best deals around

Obtaining quotes for conveyancing is simple

Ask how long has the property been on the market and if there has been a price reduction

Higher rate taxpayers may benefit from this option

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term