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Including gas and electric suppliers and insurance companies etc

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

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

damp and timber reports, planning consents for alterations and extensions

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

In either case, having prepared the ground an agent will notice that you have put some work into sorting a few thing out, thus take you seriously

In addition, borrowers will need a Contents Policy that provides cover for the contents, such as carpets, TV’s, furniture etc

The amount borrowed is subject to an interest charge, which will be quoted as a percentage

See FAQs for more details

This is an excellent option for the self employed

a first-come, first-served fixed rate

However, in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

carpets and curtains

This is covered above

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early