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Overtime and commission may be treated similarly

Structural surveys are more appropriate for older homes where there is a greater potential for difficulties to arise

This payment adjustment in many cases will not occur until the lender conducts the annual review of the loan account

A system of feudal tenure exists in Scotland, under which the seller has the power to impose permanent restrictions on the future use and development of the property and land

Each month therefore you make two separate payments, one to the lender and one to the investment you have selected to repay the loan

First time buyers looking for security during the first few years of setting up home

The offer will have numerous conditions which are designed to ensure that you encounter no problems when you move into the property

Until the seller receives these funds, the buyer may not normally have access to the property

Credit scoring assesses your personal circumstances and statistics to ascertain which broad category of borrower you fit in to

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

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

Written quotations are available on request

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

Homebuyers survey This is the most popular form of survey and is intended for use on conventional types of property

This is usually linked to the amount of cashback provided

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements