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coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

For example, setting the price range on your next home

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

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

Find out what else is included in the sale

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

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

This is not an obligation to purchase the property

The capital amount is to be repaid at the end of the period agreed

This can be attributed partly to the stress of the home buying procedure, but it can also be down to mortgage tie-ins where the lender insists on you taking out their insurance

ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

Interest may still accrue on the balance outstanding so the exact terms should always be verified with the lender

Are you tied into the variable mortgage rate and if so for how long? What redemption penalties will you incur if you were to pay off your mortgage early? Are any other fees involved? It is also generally worthwhile letting us talk to your existing lender to look at opportunities for obtaining better rates without moving the actual loan

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

£200 to a percentage of the loan e

There is also the potential to receive a tax-free lump sum once the capital amount owing has been repaid, or to reduce the term of the mortgage if the target amount is achieved early

With this type of mortgage, only the interest is paid off with each mortgage payment

The key advantage is that you should be able to track the process of the purchase online

There are two basic types of endowment policy – the with profits version and the unit linked version

A buyer will also have to instruct a survey to be carried out on the property to establish its true condition

This will result in situations where there is no method of paying off the mortgage and the lender will only become aware at the end of the mortgage term