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You will be kept up-to-date on the progress of your application by e-mail

Insurers impose various get out clauses, so as with all insurance cover it is vital to check what is included (and excluded) in the cover

Solicitors require at least 7-10 days to release the necessary funds

Normally a lender will ask you to establish a repayment vehicle for the loan at the outset although this is not always the case

APR may vary

Disadvantages: Generally you will be unable to obtain fixed, discounted, capped or cashback rates on flexible mortgages

STEP 1 - WHICH LOAN? Secured home-owner loans are available in varying amounts and for many different purposes, including debt consolidation

The following planner will help focus on what needs be done and when

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

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The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

Protecting the property itself against disaster and you in relation to the legal liability to the public are essential aspects to property ownership

Freehold A freehold gives the buyer complete ownership of the land and buildings on it. Freeholders can therefore do what they like with their property and land, subject to general law (particularly planning control) and to the lawful rights of others. The fact that a property is available as a freehold, usually adds to the value over that of a leasehold.

Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

It is common practice for lenders to pass this charge on to the borrower

Compare the property with surrounding properties

Redemption Redemption of a mortgage is the process of discharging a mortgage by paying off the loan. Paying off a mortgage before the end of a mortgage term is referred to as ‘early redemption’ or ‘early repayment’ and may incur an early redemption fee. This fee may be as much as six times your normal monthly payments. There is a greater chance of incurring these fees when redeeming in the first 1-5 years of the mortgage term Residential Leases Can either be short term (typically six months or one year) or long term. A long-term lease can extend as long as 999 years. The length of the lease will affect the value of a property. If it is a short lease or anything much less than 100 years, this will be reflected in the value of the property This means that some short term leases can be seen as very good value, but effectively become rentals.

For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

For borrowers moving house regularly, this can result in little of the capital being paid off

Advantages: Monthly payments can adapt to the level of monthly income you receive

No further funds can now be put into Personal Equity Plans

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc