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Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

The policy is usually highly portable and allows free movement from lender to lender

The level of taxation rises according to the property/land price

It is important to note that this is not an official search

Interest only

A previous buyer will only be too happy to get some of the survey costs back

Lockout agreements and contract races Preferable at the time of offer try to ensure that the agent and the seller agrees that higher offers will not be entertained (gazumping)

With discount mortgages borrowers need to watch out for ‘payment shock’

The Association of Residential Letting Agents (ARLA) says most landlords should be able to obtain gross rent equivalent to between 130% and 150% of the rental property¹s mortgage repayments (interest only)

Detailed below is a quick checklist of information we would suggest you have at your fingertips when considering moving your mortgage: What is your current interest rate? The amount of your monthly payments

This may mean that you require a scheme which permits lumps sum payments to reduce the mortgage or may be seeking to combine both your current account and mortgage borrowings in the same financial product

The Maxi individual savings accounts combine three basic elements in one plan, with a limit of £5,000 (£7,000 in the current tax year) being placed on the investment

You can also seek advice from a voluntary organisation such as The Citizens Advice Bureau

Garden Cover - While most buildings insurance provide cover for patios, paths and driveways

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

We have a Support Team who can be contacted by telephone should you require any further assistance along the way

Ability to benefit from rate cuts as they occur

A buildings policy covers against storm damage, fire, flooding etc and relates to the fabric of the house or flat etc

Not many of us are likely to do it, but it can give you a good idea of what your possible future neighbours may be like

Those with FRICS, ARICS or Tech RICS after their name are members of the Royal Institution of Chartered Surveyor and are subject to the RICS formal complaints procedure if clients are unhappy with the work carried out

In many cases, lenders offer different rates depending on the method by which you apply

Self Certification Mortgages

More detailed reports are also available for a small fee