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

Ask about the sellers position

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

The seller in turn will most likely invite you to make an offer on or before a closing date

However should rates decrease the borrower will benefit from lower payments

As a tip, note that in the UK you can only drive up to a 3 tonne vehicle before you need an HGV license

In return for an annual or monthly premium the insurance company will cover the cost of replacing or repairing an item that is lost, stolen or damaged

The cover and cost does vary between lenders and you should check what their policy includes, and just as importantly, what it excludes

They are usually covered by professional indemnity insurance, which means costs can generally be recouped if things go wrong

Commonly these will be between 3 and 3

Read all the details on the specification sheet

Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund

Preparing for Settlement As the settlement date comes near your solicitor ensures that everything is drawn together, that the funds are ready, and that there are no outstanding issues

At the very least a mobile phone

Fortunately there are a number of mortgage deals promoted by lenders aimed specifically at first time buyers

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft