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Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

However it is possible to speed up the process by arranging a personal search

In either case the difference will need to be found before completion

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term

There has been a previous price reduction on the property

In many cases if approached sensibly, a happy medium can be reached

Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund

Suitability: A variable rate mortgage is the most suitable option in a limited number of circumstances the most common being those identified below: Individuals borrowing money over the very short term anticipating repaying the loan early and not wishing to incur redemption penalties on all or part of the loan

For a borrower wanting one home for their finances this is an attractive option

There are more properties on the market than there are buyers

The period of borrowing is in excess of say 12 years

This can save hours of waiting on the phone trying to get to speak to your conveyancer

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

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

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

12 weeks to go Try starting a notebook to record details

Borrowers confident that the mortgage rate is likely to fall

Contents Insurance Home contents insurance protects your possessions against loss, damage and theft

This may be due to a number of factors, but mainly occurs due to the condition of the property

However should rates decrease the borrower will benefit from lower payments

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

We recommend taking a look at homecheck

There are two main factors that influence the amount you are able to borrow