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They deal with surveyors every day and should be able to recommend a good one

Irrespective of movements in the interest rate your monthly payments will not change

RICS The Royal Institution of Chartered Surveyors (RICS) is an independent, not-for-profit organisation, which is required to act in the public interest. Originally formed in 1868, RICS is a professional body that represents, regulates and promotes chartered surveyors and technical surveyors. RICS has over 110,000 members in 120 countries and is the leading professional body addressing all aspects of property, land, construction and their associated environmental issues. more info: http://www.rics.org.uk

Blind Bids This is only applicable to buyers in Scotland. If there is more than one party showing and interest in a property then each party will put in a sealed bid before a specified closing date. Often the bid is over the asking price and made only after thorough research and inspection into the value and condition of the property. (Consultation with a professional is always advised) By law the seller is under no obligation to accept any of the offers made, but usually accepts the highest bid. If for any reason the seller wishes to decline all of the offers made, perhaps due to low bid prices, then they can reject the offers and start anew.

Ask the seller or agent when the previous buyer pulled out and if recent, ask your conveyancer whether it is advisable to purchase the previous searches

The amount available usually ranges from £3,000 to £50,000, although some lenders will consider lending up to £100,000

Receive replies to questions raised and reports to you with the contract for signing

Indeed with enough credit you can take a payment holiday

Most agents are pretty determined in their approach and will be interested in selling you more than a property

5% on a normal lending limit of 75% loan to value

Individuals on tight budgets expecting wage increases over the first few years of the mortgage

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

Local authority searches Personal Searches Dependent on the local authority, searches can take up to six weeks

TIP: Buyers should make note that they are responsible for the insurance of the property on exchange of contracts, not when you move in

Stage 2 - Assessment of draft contracts This is the point at where both parties solicitors negotiate the deposit payable on exchange of contracts, the time between exchange and completion and any allowance by the seller to let the buyer have access to the property ahead of time

Life assurance cover is not always necessary in taking out this type of mortgage

See below for more information about these features