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Not many of us are likely to do it, but it can give you a good idea of what your possible future neighbours may be like

We specialise in helping people who find it difficult to obtain a mortgage or loan

Contents insurance can provide cover for all your household contents - furniture, carpets, curtain, pictures TV, hi-fi, personal possessions etc

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

Payment holidays are permitted

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet

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

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

Avoidance of early redemption penalties

Suitability: A fixed rate mortgage is the most suitable option in a number of circumstances the most common being those identified below: Larger borrowings

Individuals utilising short-term finance arrangements to provide their deposit

Buy To Let Mortgages Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment. These are normally second mortgages. The rates charged on second mortgages tend to be about 0.5% to 1% higher than first-home mortgages, so it is likely that you will pay more for your loan on a Buy To Let Scheme. This is due to the nature of the loan, which is considered a higher risk for the lender. Lenders also tend to require larger deposits as most will lend only 75% of the property value though some may go as high as 85%. You are required to meet certain criteria, which vary from lender to lender, but fundamentally your application will be based on 1) Your income versus all existing loans. 2) The anticipated rental income covering a certain percentage of the loan interest payment. 3) Plus the normal credit checks etc.

Listed below are examples of some of the best deals around

The costs will be greater for house purchase than for remortgage

(Gazumping)

Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

In the past some lenders have made their insurance compulsory with some very competitive mortgage products although this is less common now

There is potential for higher returns than endowments

on a particular day a borrower has a mortgage balance of £50,000 and has £2,000 held in the current account

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

This could end up saving you time and money