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The agent will be more willing to hand you properties that he can sell quickly or that are in greater demand

All lenders will have a set formula that they use to calculate the amount they will be willing to lend which is usually expressed as a multiple of your income

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

At the very least a mobile phone

Once your application has been submitted to us, either the service provider will send you an e-mail acknowledging your application

Take the time to get up a little earlier and start your school or office run from the intended property

The earlier you contact them, the more sympathetic they are likely to be

The premium is usually charged when borrowing is in excess of the amount the lender considers they can safely lend and be assured of their money being returned if any future financial problems occur

For borrowers moving house regularly, this can result in little of the capital being paid off

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

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

Pay particular attention to buildings insurance

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

Depending on the amount of loan and the LTV the Mortgage Indemnity Guarantee charge can be a significant cost e

The cost can easily add over £1,000 to the total bill and is either paid up front or added to the overall loan

Buildings survey Also known as a structural survey

These will be provided for in the initial agreement

When viewing a property ask the question and try to establish a rapport with the seller

This means that a mortgage with, for example, a discount to 31st January 2006 will have a redemption charge to either the same date or a date prior to this

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings

These mortgages take the benefits of the flexible mortgage and use the funds held in the current account to offset the interest e

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Obviously, neighbours have the potential of making your life absolute hell; So if you have a doubts do not be afraid to ask

If the variable rate rose to say, 6%, then the rate payable would rise to 4

Cashback Mortgage Is a mortgage product, which provides a cash lump sum or a cash percentage of the mortgage amount to spend as you wish. The cashback amount is paid to the borrower shortly after completion.

CML - The The Council Of Mortgage Lenders is a trade association specifically for mortgage lenders in the UK and its members undertake around 98% of UK residential mortgage lending. It provides a service to mortgage lending institutions by helping to establish and maintain a favourable operating environment in the residential mortgage and related housing market.

Read all the details on the specification sheet

A booking fee will normally be required with the application form

Before making an advance, your mortgage lender will require a valuation report as a minimum

Try not to widen your search in too much

(Gazumping)

Understandably this is due to protecting their investment

For more information see: Valuations and surveys Removal costs Removal costs vary according to whether your using a removal firm or doing-it-yourself

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