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Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage

This is also particularly relevant in the case of sealed bids

Possibility of losing out should interest rates fall below your agreed rate

The amount borrowed is subject to an interest charge, which will be quoted as a percentage

Without an appraisal, it is going to be difficult to plan ahead

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

Save £s on your buildings and home contents insurance

If you have a flexible mortgage, you may be able to vary the amount of the monthly repayment and you may be able to pay in or draw out lump sums

Buy To Let Mortgage Buy To Let mortgages are taken out to buy a property for the sole purpose of letting as an investment.

You only get this if you qualify for income support

The Lender offers a discount on the Standard Variable Rate (SVR) for a specific period of time

The cost of this is therefore to be taken into account when selecting a lender

Mortgages offering a 5 or even 6% cashback can be found which would mean a borrower taking a £70,000 mortgage would receive £4,200 on completion (at 6%)

If any adverse comments on structure or conditions arise then it is wise to obtain quotations on any remedial work required

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

The definition of income may also change from one mortgage provider to the next

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

The freedom to make additional payments up to the annual limits

The borrower remains liable for any shortfall on the mortgage hence the outstanding balance will need to be paid off from other resources

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

Put the owner on the spot and see what reaction you get

Exposure to interest rates

Advantages: Knowing the maximum monthly cost of your loan for a set period, allowing security within your budgeting

For more information please see:: Dealing with adverse valuations Recently built homes Most new houses have a National House Building Council (NHBC) Certificate

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