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Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

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Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

Its purpose is to verify and record legal ownership of the property and to record any securities (mortgages) or conditions adversely affecting the property

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

Stamp Duty You are required to pay a Government tax (Stamp Duty) on a property priced above £60,000

will need to be addressed during this period of pre-contract enquires

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

Current Account Mortgage

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

Offers are invited above the stated price

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

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

This will prove handy at the time of making an offer

With this type of mortgage, interest may be calculated on a daily or weekly basis

If remedial work is required ask the owner if they have had any quotes

Payment holidays are permitted

In this case all is not lost, other factors may come into play such as the sellers current position and reason for sale

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

It provides no benefit to you, it is for the lenders protection only

Ask the owner or agent why the sale collapsed

Larger borrowings

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

Written quotations are available on request

You should also receive a summary of the present state of the property along with any recommendations concerning future maintenance

Providing all payments are made in full, at the end of the term, no capital will remain outstanding

This search can take between four and six weeks although many councils process searches in two weeks

This tends to be between £25 - £50 and may be avoided if enough objections were made

Ask why the current owners are selling the property

Gregory Pennington Bains & Ernst STEP 3 - HOW AM I PROTECTED? Personal loans are governed by the Consumer Credit Act 1974

Disadvantages: Unexpected increases in payments at term end

Sometimes capped mortgages have a level below which interest rates cannot fall

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.