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Will your furniture fit or will you need to redecorate as a result? Make note of any fixtures and fittings

Homeowners with older mortgages only have to wait eight weeks to get half of their interest paid, and after 16 weeks they get it all paid

Ask why the current owners are selling the property

This can lead to an individual paying interest on a mortgage for in excess of 25 years, which is generally an unnecessary expense

Individuals on a tight budget expecting wage increases over the first few years of the mortgage

Gazundering Gazundering is when the buyer refuses to go ahead with the sale unless the price is reduced. There is nothing the seller can do about this apart from negotiate on the price or lose the sale - and possibly the house they are in the process of purchasing. In such situations any estate agent worth their salt will do their best to negotiate on your behalf, or failing that, will attempt to find you a suitable new buyer with all possible haste. Fortunately, it is rare to come across gazundering but in a slow housing market it is more likely to occur as prices may be falling.

It is usually attributed to either the agent has been too pushy, the buyer has not put enough thought into what they really want or a professional timewaster is at work

It is possible that your investment may provide a surplus lump sum or pay off your mortgage early

Current Account Mortgage (CAM)

Gaining as much information about the reasons for the sale and the condition of the property will pay dividends later when making an offer

A flexible mortgage linked to a current account

They are also useful for larger amounts or where the applicant requires a longer repayment period

If you are considering protecting your repayments in the event of accident, sickness, unemployment or death, why not browse our Income Protection finder

A buildings policy covers against storm damage, fire, flooding etc and relates to the fabric of the house or flat etc

Your mortgage lender will insist on a property survey before approving your mortgage

With this type of mortgage, only the interest is paid off with each mortgage payment

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.

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

However, if the variable rate drops below your capped rate, you will benefit as your repayments will be calculated using the lower variable rate

Another form of insurance common in the mortgage industry is a Mortgage Payment Protection Plan