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Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask

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

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

However, try to include as much as possible in the negotiations

Sewers and drainage

the mortgage has to be held for a number of years before the lender breaks into profit

The standard period is 14-28 days after exchange

Plus the number of rooms in your existing home

Moving House & Your Mortgage Completing all the formalities involved with moving house can be an arduous task and as such many people choose to stay with their existing lender rather than seeking out a new deal for their amended mortgage

The lack of discipline in the monthly payment means the temptation is there to spend the money on other matters

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

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

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

5%

What limitations apply to your current mortgage rate

If so, be bold and ask to see them

Fixed Rate Mortgage

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy

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

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

Check it out and see how the neighbourhood is rated

Flexible Mortgages

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

We have a Support Team who can be contacted by telephone should you require any further assistance along the way