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The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

Most pension plans have the option at maturity to withdraw a percentage of the fund as tax-free cash

Stage 2 - Assessment of draft contracts This is the point at where both parties solicitors negotiate the deposit payable on exchange of contracts, the time between exchange and completion and any allowance by the seller to let the buyer have access to the property ahead of time

Much depends on the agent, the seller and your confidence in your negotiation skills

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

When and how to talk to agents When to start taking to an agent about buying is entirely up to you

See FAQs for more details

A good site will enable you to register your requirements and send you the latest property details by email

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

Possible diversion or closure of roads or footpaths

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

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

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

Let your lender know your intentions and ask under what circumstances may they be prepared to waver the redemption fee

Popular in the late eighties and the nineties an endowment policy is a combination of two basic elements, namely a savings plan and a life assurance policy

Borrowers paying the Standard Variable Rate will have their payments increase or decrease as the lender adjusts the rate in accordance with market conditions

Frequently they can be added to the mortgage hence the fee does not become an ‘out of pocket’ expense

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.

Payment is either up front, or added to the overall loan