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(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

Other advantages of flexible mortgages are that payment holidays can be taken during the year and extra funds are normally available via a drawdown facility

The period an Early Redemption Charge applies can vary

No further funds can now be put into Personal Equity Plans

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

Try not to widen your search in too much

Neighbours - are you inheriting a problem? During the process of creating the draft contracts the seller completes a questionnaire from their solicitor

If you are not happy with the answer, investigate further or walk away

If you have no life assurance cover in place and die before the loan is repaid, the mortgage will still need to be repaid

The investment vehicle is entirely portable and can be taken with you to a new lender no matter how many times you might move

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

Generally these polices will be accepted as having the potential for greater and faster growth than the with profits but there is also the risk that they may not produce such a steady long-term return

the mortgage has to be held for a number of years before the lender breaks into profit

This form of insurance has become more important as the Department of Social Security has steadily withdrawn the benefits available

ISA The Individual Savings Account (ISA) is a tax free method of saving

Last but not lease a Structural or Building survey which are recommended for period homes or properties of unusual construction