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Initial property enquiries This is where much time involved in selling and buying is wasted

A survey carried out by the mortgage lender should indicate what sum to insure

Unfortunately not all estate agents are ethical in this area

The value of these holdings will alter on a daily basis and can go down as well as up

Sealing Fee This is a fee charged by all lenders for discharging a mortgage when it is repaid in full Searches A buyer’s solicitor normally carries out searches. The solicitor will carry out local searches on your behalf to make sure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden or any compulsory purchase orders attached to it. This is usually done by a search of the local land register. Your solicitor sends a standard form to the local authority that will enter details of any local land charges adjacent to the property you are buying. The speed with which the results are returned varies considerably from borough to borough. You can speed up the process by arranging a personal search. You pay a fee, whereby a search agent, appointed by your solicitor, calls at the offices of the local authority and the search is conducted there and then. This is not an official search, so will not protect you to the same degree, but if speed is of the essence, it can save weeks.

Fixed Rate Mortgage

The seasoned mover is likely to have learnt from past experiences to exactly that

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

Just offer independent advice with regard to over 4,600 mortgage products

5%

Take note of the neighbours - Do they have overlooking views? Do they have pets, or caravans that may end up being a nuisance? Accept a tour by the owner or agent

The initial pay rate would therefore be 3

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

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

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee

Although both may vary, a deposit of between 5% and 10% is common, as is completion 28 days after exchange

Whilst practically the entire range of mortgage schemes are available to you with the exception of rates designed specifically for first time buyers, moving house may provide an excellent opportunity to consider what your future plans may be

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

Bridging Loan A bridging loan is a sum of money borrowed for a limited period of time to enable you to buy a new property before selling your old one. Interest rates charged tend to be higher than normal and a bridging loan shouldn’t be taken out lightly.