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This product, which tends to be used by the self employed, is only for those taking advice from a suitably qualified financial adviser

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

You are not looking for a guarantee of repayment at the end of the mortgage term

They will also find that the mortgages they can get will be at a higher interest rate

Plan and think ahead

This is a comprehensive report that provides information on construction and materials used as well as major and minor defects

A fixed interest rate will stay the same throughout the term of your loan, regardless of any changes in the bank base rate

The amounts can range from a flat fee e

Offers are invited above the stated price

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

The Lender offers a discount on the Standard Variable Rate (SVR) for a specific period of time

Some sellers prefer to keep their property on the market until exchange of contracts so that if the transaction falls through, they have a back-up buyer

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

The Act contains strict regulations about how money is lent and covers unsecured loans up to £25,000

We also hold the details of loans designed specifically for applicants with a poor credit history, and we provide the facility to apply online for these through moneysupermarket

Personal Possessions (including cash) on an all risk basis, in and outside the home

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

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

Flexible mortgage rates overcome this problem by allowing the borrower to make both over and underpayments into the account

Sometimes capped mortgages have a level below which interest rates cannot fall

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

Garage contents Items taken away from the home such as pedal cycles, jewellery, mobile phones etc Mortgage Indemnity Insurance Also known as Mortgage Indemnity Guarantee

It is the role of the solicitor or licensed conveyancer to note ownership of the property on the title deeds; note the lenders interest in the property; register with the Land Registry and conduct searches to identify if there may be factors which could affect the property e

The period of borrowing is in excess of say 12 years

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

conducts a local authority search to highlight planning, financial and other charges affecting the property

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

The following planner will help focus on what needs be done and when