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Some of the newer entrants into this sector are also linking savings accounts, credit cards and personal loans into the mix

All formal letters and missives go to create the contract

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

On-line conveyancing On-line conveyancing is one of the latest improvements in the legal process of buying and selling

Personal Possessions (including cash) on an all risk basis, in and outside the home

Stage 3 - exchange of contracts A sale or purchase of property in England and Wales only becomes legally binding once the contracts have been exchanged

Some will allow for bonuses and some will only allow 50% of bonus

The moving in day is likely to be one of the most memorable days in connection with the property, so we hope our planner goes some way in making your move more pleasurable

The period an Early Redemption Charge applies can vary

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

To obtain a mortgage in principle you will need go through the same motions as applying for an actual mortgage

Generally, secured loans are much easier to obtain than unsecured loans

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

Know which location/s you prefer

If so, your solicitor may be able to purchase these from the buyers solicitor which will save you waiting for the searches to be carried out by the local authority and possibly save money in the process

Often it may require obtaining quotations for any remedial work required to form the basis of any negotiation on price

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

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.

SVR - Standard Variable Rate Standard Variable Rate (SVR) - All lenders have their own Standard Variable Rate, which is largely determined by the base interest rate set by the Bank of England. The Standard Variable Rate of interest may increase or decrease from time to time.

Advice on Affording a Mortgage

A Home Buyers report, generally suitable for most modern homes conventional in type and construction

An investor may only hold one of each Mini in any tax year

The money may only be drawn from a pension policy when the policyholder reaches retirement age

Flexible Mortgages

They provide a detailed analysis of your financial position

Set your price range and when you would ideally wish to move