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

Proceedings relating to any infringement of building regulations

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

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

Set your price range and when you would ideally wish to move

Note, the fee is usually non-refundable

Read all the details on the specification sheet

APR may vary

Find out what else is included in the sale

You may also speak to the seller directly

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

Imagine each room empty

Buy To Let Mortgages Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment. These are normally second mortgages. The rates charged on second mortgages tend to be about 0.5% to 1% higher than first-home mortgages, so it is likely that you will pay more for your loan on a Buy To Let Scheme. This is due to the nature of the loan, which is considered a higher risk for the lender. Lenders also tend to require larger deposits as most will lend only 75% of the property value though some may go as high as 85%. You are required to meet certain criteria, which vary from lender to lender, but fundamentally your application will be based on 1) Your income versus all existing loans. 2) The anticipated rental income covering a certain percentage of the loan interest payment. 3) Plus the normal credit checks etc.

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

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

The Mortgage Code The mortgage code provides protection for the borrower and sets out minimum standards which mortgage intermediaries and lenders should meet