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You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

Are there any guarantees not held with the title deeds? i

Payment holidays are permitted

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

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

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

Until the seller receives these funds, the buyer may not normally have access to the property

On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term

If so, ask how they were damaged or why replaced

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

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TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

The fixed payments are based on the amount of the loan together with the mortgage term and are designed so that, at maturity, the amount invested and earnings are sufficient to pay off the mortgage

It is a basic inspection undertaken by a valuer on behalf of the lender for the purpose of determine whether a property is a sound investment on their behalf

This rate is known as the Annual Percentage Rate (APR)

Capped Rate Mortgage

The rate will also provide a buffer against increases in the interest rates

Providing a combination of the security of knowing the maximum monthly cost for a set period with the opportunity to take advantage of any downward movement in the mortgage rates, this is a popular choice for many borrowers