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

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

Current Account Mortgage

It simply informs the seller of your interest

Most pension plans have the option at maturity to withdraw a percentage of the fund as tax-free cash

A good site will enable you to register your requirements and send you the latest property details by email

For borrowers moving house regularly, this can result in little of the capital being paid off

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

Lockout agreements and contract races Preferable at the time of offer try to ensure that the agent and the seller agrees that higher offers will not be entertained (gazumping)

Often it may require obtaining quotations for any remedial work required to form the basis of any negotiation on price

The deed of transfer is prepared and approved and if the buyer has raised finance a mortgage deed is prepared

In particular, they provide details of county court judgements, defaults and any existing credit agreements, along with information relating to the electoral roll and your past credit history

Variable rate mortgages Most lenders have a set rate of interest known as the standard variable rate which they adjust as the Bank of England increases or lowers interest rates

All lenders will insist on buildings insurance as the very minimum

Individuals looking to repay their mortgages quicker than their basic income would indicate as, possibly the result of expected bonus payments and or share options

Discounted mortgage With a discounted mortgage, lenders offer a discount on the standard variable rate for a specified term

Neighbourhood checks - Online property checks It is now possible to obtain information online regarding the local area of the intended property purchase

Borrowers will be required to remain on the lenders variable rate of interest for a pre-determined period of time

The surveyor will not inspect inaccessible parts of the property or areas which are not already exposed

This rate is known as the Annual Percentage Rate (APR)

Pay particular attention to buildings insurance

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

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

This method of repayment is the least risky and is often considered suitable if you want guaranteed repayment and prefer to see the amount owed to the lender decline each year

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

Cashback mortgage A Cashback mortgage provides you with an amount of cash upon commencement of the mortgage