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In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

Again, if you have any concerns about this, your solicitor will be able to advise you

arrears, late payment, removing the lenders name from the Title Deeds at the end of the mortgage

Searches - what they should highlight Your solicitor will carry out local searches to ensure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden, any compulsory purchase orders attached to it, or any local land charges adjacent to the property you are buying

This mainly occurs in a sellers market or where the property is of rare value

Garden Cover - While most buildings insurance provide cover for patios, paths and driveways

Proceedings relating to any infringement of building regulations

Are they in a chain? How quickly do they want to move? Ask if the agent has a sole agency agreement Having been satisfied with your initial enquiries, it is now time to book a viewing

In the early years of a repayment mortgage the majority of the monthly repayment is interest rather than capital

Charges can be significant

Ability to benefit from rate cuts as they occur

Variable rate mortgages Most lenders have a set rate of interest known as the standard variable rate which they adjust as the Bank of England increases or lowers interest rates

5% on a normal lending limit of 75% loan to value

It is best to find out the sellers position during the viewing, having plied as much information from the agent beforehand

conducts a local authority search to highlight planning, financial and other charges affecting the property

Check for built-in appliances

A previous buyer will only be too happy to get some of the costs back

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

The most important fact about an interest only mortgage is that the monthly repayments do not repay any of the outstanding capital balance

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

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

Home working equipment cover