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Check for built-in appliances

rooms, style, new or old etc

Plan and think ahead

The main thing to do is your homework and seek specific advice relating to your circumstances from a qualified professional

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

a 3 year fixed rate with a 5 year ERC

It is also worth pointing out that historically the returns on endowment policies have been pretty good (provided they go full term)

Preparing for Settlement As the settlement date comes near your solicitor ensures that everything is drawn together, that the funds are ready, and that there are no outstanding issues

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

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

In addition, borrowers will need a Contents Policy that provides cover for the contents, such as carpets, TV’s, furniture etc

Receives search results and deals with any problems revealed

Advantages: The fixed rate provides the security of knowing the exact monthly cost of your loan for a set period

Making an offer is one of the more stressful parts of buying a home

Try also to avoid costly contract races where the seller accepts several offers and the first buyer to exchange contracts gets the property

The second influence on the amount you can borrow is your current level of income

This will prove handy at the time of making an offer

Taking entry The solicitor will advise you on checks to be made when you enter the property and what to do if you encounter any problems

The amount available usually ranges from £500 to £25,000 over a term of 6 months to 10 years

First and most important: If you have a property to sell, obligation a free appraisal from more than one estate agent

On this subject see ‘No Redemption’ and ‘No Overhang’ below

OTHER TERMINOLOGY Adverse Credit If a borrower has a history of poor credit usage then this is described as Adverse Credit

Sewers and drainage

Read all the details on the specification sheet

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

Endowment ISA Plan Pension Endowment The most common type of interest only mortgage which also provides life assurance cover and a fixed payment for investment

Redemption Redemption of a mortgage is the process of discharging a mortgage by paying off the loan. Paying off a mortgage before the end of a mortgage term is referred to as ‘early redemption’ or ‘early repayment’ and may incur an early redemption fee. This fee may be as much as six times your normal monthly payments. There is a greater chance of incurring these fees when redeeming in the first 1-5 years of the mortgage term Residential Leases Can either be short term (typically six months or one year) or long term. A long-term lease can extend as long as 999 years. The length of the lease will affect the value of a property. If it is a short lease or anything much less than 100 years, this will be reflected in the value of the property This means that some short term leases can be seen as very good value, but effectively become rentals.

Although your repayments are unprotected from any sudden increases in interest rates you will benefit from any reductions

Payment holidays are permitted