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Buildings survey Also known as a structural survey

More information about endowments (which in the 1980’s and 1990’s were extremely popular), ISAs and Pension plans are below

APR may vary

The money is then paid back to the Lender over a fixed period of time together with accrued interest

Whether the property is a listed building or in a conservation area

There is no reason why completion may not take place at the same time as exchange providing all the necessary conditions have been fulfilled

The market conditions are in your favour (see details above)

Existing endowments can be used to support a new mortgage with any ‘additional lending’ over the value of the projected maturity balance being covered on a repayment basis or with an alternative repayment vehicle

Variable Rate Mortgages

Ask about the reason for the sale

Exposure to interest rates

Anywhere between 1% and 12% cashback has been available

Buy to Let Mortgages

Unless these payments are guaranteed then as a rule of thumb expect that 50% will be taken into account

ARLA - The The Association of Residential Letting Agents (ARLA) is a self-regulating body, which is solely concerned with lettings. In the event of unresolved disputes, the ARLA offers arbitration for landlords and tenants who use ARLA member firms. more info: http://www.arla.co.uk Arrangement Fee Sometime referred to as an Application Fee. The fee is an amount of moneylenders charge for arranging a mortgage. It may include administration costs and normally varies from one particular mortgage product to another.

Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed

What the search should highlight Any Planning notices

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

In this case the lender agrees to release the amount withheld over a staged period of time after satisfactory completion and in most cases inspection of the remedial work