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This is covered above

This mainly occurs in a sellers market or where the property is of rare value

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage

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

Arrears This describes the amount the borrower is behind in his mortgage repayments schedule

They are usually covered by professional indemnity insurance, which means costs can generally be recouped if things go wrong

See below for more information about these features

Be precise when filling out the registration forms

Try also to avoid costly contract races where the seller accepts several offers and the first buyer to exchange contracts gets the property

Index Linked Buildings Insurance This type of insurance covers the main structure of your home (not the contents) and is required to protect you against the cost of rebuilding your home in the event of fire, flood or similar disaster

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

However should rates decrease the borrower will benefit from lower payments

Preparing the ground to buy No one likes a timewaster and the professional agent will spot one a mile off

Remember, it is your responsibility to get the correct sum insured