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The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

For more information see: Vital questions to ask the seller or agent Making a deposit Express the seriousness of your offer by offering to put down a deposit as an act of good faith

Some lenders will offer even larger cashbacks if you agree to pay a premium over the variable rate

It is important to note that comment within the report is limited to those areas that are considered accessible at inspection

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions

Replacing any damaged, lost or stolen items on a new for old basis

Your lender agrees a set rate of interest for a specified period of time

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

Other factors may well be involved

Advantages: Complete flexibility within the mortgage market allowing option to move from lender to lender should the opportunity to take advantage of more competitive rates elsewhere arise

There can be a shortfall in the fund within your investment meaning the cost of your interest only mortgage may increase over the term or alternatively you may be left with an extra sum of money to find at the end of the loan

Most insurance companies will have extended buildings cover options which are well worth considering

Ask about the reason for the sale

Capped Rate Mortgages

Under the terms of The Mortgage Code of Practice the lender will, before a mortgage applicant takes a mortgage, provide a tariff covering the repayment of the mortgage, including charges and additional interest costs payable in the vent of arrears and will advise of any other charges for services before or when the service is provided

The Maxi individual savings accounts combine three basic elements in one plan, with a limit of £5,000 (£7,000 in the current tax year) being placed on the investment

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

Has the owner made any improvements? Do you have the relevant warranties? Does the property require much regular maintenance? Can you do it yourself or afford to get a professional? How much ground rent/service charges do you pay? (Leaseholds) How secure is the property, does it have an alarm? Has it ever been burgled? Ask about the neighbours

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

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

Arrangement fees Arrangement fees are normally charged by the lender for reserving a discounted or fixed interest rate mortgage for a given period of time

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

Base Rate The standard rate of interest set by the Bank of England which all lenders generally follow.

If you have a mortgage, the lender will insist that you take out this type of policy

The above rates are a sample of the range of rates currently available and figures are correct at the time of going to the Internet

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

Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed

g Loans for holidays may be restricted to a 12 or 24 month term)

Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

Again, if you have any concerns about this, your solicitor will be able to advise you