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Preliminary Observations Ask about the cost of council tax and utilities with the seller

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make

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

Disadvantages: In the first few years of the loan the largest proportion of your regular monthly payment goes to pay off interest – the balance outstanding is hardly reduced at all

By stating this you are not obligated to proceed until the conclusion of the survey and the exchange of signed contracts

If it is going to happen then it is likely to occur between acceptance of your offer and exchange of contracts

a first-come, first-served fixed rate

4% off for 1 year

TYPES OF MORTGAGE There are essentially two different types of mortgage: Repayment only, (capital and interest mortgage) Interest only, (ISA, pension or endowment mortgage) Repayment only

If your instincts tell you to leave it alone

This protects the lender in case you do not repay the loan and your home has to be repossessed

At the very least a mobile phone

damp and timber reports, planning consents for alterations and extensions

The value of these holdings will alter on a daily basis and can go down as well as up

3% of the loan

If so, ask how they were damaged or why replaced

There are some important facts to understand about the mortgage indemnity charge

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

Flexible mortgage rates overcome this problem by allowing the borrower to make both over and underpayments into the account

Possibly tied in to variable rate with same lender for various periods following the fixed rate term end

It may be possible to renegotiate the price of the property taking into account to costs of any work required

99% 2 year discount, no extended ties fee free remortgage