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This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Suitability: The repayment mortgage option is suitable in a number of circumstances the most common being those identified below: You do not like to expose yourself to too many financial risks

You can also seek advice from a voluntary organisation such as The Citizens Advice Bureau

Plan and think ahead

It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

Mortgage lenders are pretty strict on what kind of survey they require and who completes the survey

The potential for your rate to reduce unlike the fixed rate mortgage

The amount borrowed is repaid monthly over a term agreed at the outset, which will usually range between three years and twenty five years

Obtaining quotes for conveyancing is simple

4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

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

Ask why the current owners are selling the property

A buyer will also have to instruct a survey to be carried out on the property to establish its true condition

The amount provided by the investment product cannot normally be guaranteed

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

Disadvantages: Unexpected increases in payments at term end

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies