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

First time buyers looking for security during the first few years of setting up home

This type of mortgage may be suitable for you if the nature of your income is such that satisfying a lenders requirements may prove difficult

Fortunately there are a number of mortgage deals promoted by lenders aimed specifically at first time buyers

It is important to note that the valuation is carried out on behalf of the lender – not the mortgage applicants! Frequently lenders include an administration fee as part of the valuation fee collected to cover the costs of arranging the valuation

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

We recommend taking a look at homecheck

Usually calculated on a daily basis and added to the loan either monthly, quarterly or annually

A fixed rate mortgage is suitable if your mortgage repayments take up a large proportion of your income as it protects you from any sudden and unexpected rises in interest rates

First Time Home Buyers Buying your first home can be a daunting proposition

Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

5 times a single salary and 2

All formal letters and missives go to create the contract

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

When registration is complete, the title deed to your lender for safekeeping

They are also generally linked to variable rates and so reductions in your mortgage payments in the early years may not be possible with this type of product

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

STEP 2 - HOW DO I APPLY? Lending institutions offer you the option of applying for your personal loan either in person at a branch, via a written application, over the telephone or online

It acts as a form of insurance for the lender not the borrower

a 3 year fixed rate with a 5 year ERC

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

Plan and think ahead

Poor Credit & Loan Advice

Setting the completion date The standard time between exchange of contracts and completion is four weeks

Before the exchange of contracts, you will have to agree on a date for completion of purchase

These bonuses termed either annual or reversionary cannot be taken away

How long does your present fixed, discounted or capped rate last for

For a mortgage secured on a property, insurance may be required

The first of these relates to the current market value of the property to which the mortgage relates

The current options available to you in conjunction with interest only mortgages include endowment, pension or an Individual Savings Account (ISA) Advantages: There are a variety of investment vehicles available to use to repay interest only mortgages, some offering tax advantages

In England and Wales a survey is normally made after the offer has been accept subject to contract

Try also to avoid costly contract races where the seller accepts several offers and the first buyer to exchange contracts gets the property