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That is: Consider what type of mortgage you require and then find a mortgage lender you feel can offer you the best deal

Base Rate The standard rate of interest set by the Bank of England which all lenders generally follow.

When registration is complete, the title deed to your lender for safekeeping

There are more properties on the market than there are buyers

At this point a survey will need to be arranged so that a firm and informed offer may be made

Please remember, a major consideration in any viewing or visits should be your safety- Always help ensure your own safety by taking a friend or partner

As a result the seller is in a stronger position and is likely to be less receptacle to any or significant price reduction

Whilst practically the entire range of mortgage schemes are available to you with the exception of rates designed specifically for first time buyers, moving house may provide an excellent opportunity to consider what your future plans may be

Higher rate taxpayers may benefit from this option

a 3 year fixed rate with a 5 year ERC

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

A single payment is made to your lender each month covering both the interest charged on the loan as well as the repayment of the outstanding capital

Flexible mortgage A flexible mortgage may enable the borrower to pay off all or part of their mortgage without paying a penalty

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

Suitability: A cash back mortgage is the most suitable option in a number of circumstances the most common being those identified below:

First time buyers

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.

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

If using a removal firm we suggest obtaining several quotes first

If you have a mortgage, the lender will insist that you take out this type of policy

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

This is known as an Adverse Valuation and may occur due to any number of factors, but in most cases it is connected with the condition of the property

Considering the current market conditions Excluding the property itself, the current condition of the national market is a significant factor in the process of negotiation

ISA The Individual Savings Account (ISA) is a tax free method of saving

Understandably this is due to protecting their investment

It may be possible to renegotiate the price of the property taking into account to costs of any work required

It will cover problems such as collapse or serious distortion of floor joists or the roof

In return you usually agree to pay the variable rate charged by the bank or building society, for a specified term