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5% of the value of the property for your conveyancing

This tends to be between £25 - £50 and may be avoided if enough objections were made

See below for a quick guide to secured loans

Compare the property with surrounding properties

At the end of the term, therefore, you will need to repay the capital

Try not to widen your search in too much

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

Being hit by an unexpected redemption fee can put a serious dent into your finances

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

These may include 100% mortgages or a range of fixed or capped rate mortgages (see Mortgage Guide) unavailable to non-first time buyers

It will be based on settling the mortgage at that moment in time, so the final figure at completion/taking entry will vary marginally

Lenders offer insurance policies or payment protection schemes to protect you in the event of accident, illness, unemployment and death (subject to conditions), for which the charge is added to your monthly repayment

As a general rule, it is advisable to compare the APRs of different loans, as this is a good way to determine how competitive they are

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Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

UK Pensions Advice

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make

The financial aspects of the purchase are often the most complex and it is therefore imperative that you receive specialist advice on the many diverse options available to you

As a consequence it is important that the payments are maintained into the repayment vehicle otherwise it will not be possible to pay off the mortgage at the end of the term

Arrangement fees Arrangement fees are normally charged by the lender for reserving a discounted or fixed interest rate mortgage for a given period of time

If you do have difficulty making your repayments you should seek advice from your lender immediately

Reductions or increases in the rate will result in a direct increase or decrease in the monthly payment to the lender