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APR may vary

Much maligned in the press because of the poorer investment growth rates achieved in a low inflationary environment this form of investment is less popular these days

As a general guide, it is advisable to compare the APRs of different products as this will help you to determine how competitive they are

There are two basic types of endowment policy – the with profits version and the unit linked version

Borrowers will normally have to build up a reserve through overpayments before being allowed to underpay or skip payments

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

Surveys come in three forms: Valuations, usually undertaken by the lender

The lender will offer a range of insurance, the problem being that you may be forced by lender to buy uncompetitive insurance to help recover the costs of a heavily discounted mortgage

Owing to the fact that pension plans have certain built in tax advantages they generally have the potential to achieve greater overall returns than an endowment policy might be expected to achieve

Basically it is any item that is not firmly attached to the house that is counted as a moveable

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

2% fees-free offset mortgage

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property

Base Rate The standard rate of interest set by the Bank of England which all lenders generally follow.

This can be an indication of overpricing, adverse surveys or valuations and point to future difficulties in selling

Switching between provider can only be completed on an annual basis and penalties may be incurred

The date and actual time of day of completion is quite specific and relies absolutely on the transfer of money

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting

The experienced agent is likely to be skilled in the art of negotiation and know what buttons to press

In the past some lenders have made their insurance compulsory with some very competitive mortgage products although this is less common now

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

We recommend taking a look at homecheck

The surveyor will not inspect inaccessible parts of the property or areas which are not already exposed

Your local agent can give you a good idea here

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