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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

This is more likely to occur within the first 3-5 years of the mortgage term and more common with discounted, deferred or fixed mortgages

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

You have an offer on your property - The further into the processes of selling your home, the better

(Gazumping)

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4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

Compare the property with surrounding properties

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase

Hence an applicant paying for a valuation and then not proceeding due to, say, a poor valuation, will not have their valuation fee refunded

The plan holder can then draw a pension from the balance of the fund

Generally this cost is being phased out in the market but you may still encounter this premium for loans above 80% of the house value

If you have any doubts check with the lender

Conditional planning permissions granted

If so, be bold and ask to see them

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Just offer independent advice with regard to over 4,600 mortgage products

Again, as with fixed rates, up-front charges and ‘lock-ins’ are common

The Internet is an extremely useful tool, but as with anything else there are ways to get the best from it

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

interest rate - personal loan