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Endowments provide life assurance so that in the event of death the mortgage is paid off

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

Receives mortgage offer and deals with all the conditions on your behalf

Irrespective of movements in the interest rate your monthly payments will not change

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

It is likely that the first payment will be double the normal monthly payment due to the requirement to pay a month in arrears by most lenders

To take advantage of the offer the mortgage applicant will normally need to use a firm of solicitors or licenced conveyancers nominated by the lender

Mortgage Endowment Policies

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

Regular checking of the policy fund itself by the borrower and the lender should minimise any risk

Listing all the contacts involved in the move

Surveys come in three forms: Valuations, usually undertaken by the lender

However, most vendors are reluctant to take the hit on the full amount

They are also useful for larger amounts or where the applicant requires a longer repayment period

This is an excellent option for the self employed

Capped mortgages enable you to place a limit on your monthly mortgage commitment, plus they benefit from falls in interest rates

This is not an obligation to purchase the property

Basically it is any item that is not firmly attached to the house that is counted as a moveable

Buy to let has become an attractive investment option for many people as soaring house prices, increased demand for rental property and better legal protection for private landlords has made buy to let fast growing area of the mortgage market

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

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

Your local agent can give you a good idea here

Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements