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The following planner will help focus on what needs be done and when

This is also particularly relevant in the case of sealed bids

It simply informs the seller of your interest

Note any parking facilities or restrictions

Below is a quick and easy guide to personal loans

rooms, style, new or old etc

coal mining search to check for subsidence; check to see if there are some planned major road developments going through the back garden etc

The repayment term available may depend on the purpose for which you require the loan, and may be restricted accordingly (e

Some will allow for bonuses and some will only allow 50% of bonus

The idea behind the pension mortgage option is to link the amount of this lump sum to the amount borrowed

They are more expensive than the lenders valuation

This can be attributed partly to the stress of the home buying procedure, but it can also be down to mortgage tie-ins where the lender insists on you taking out their insurance

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

Check for built-in appliances

This policy is designed to offer income protection against unemployment, sickness and redundancy

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase

The most important fact about an interest only mortgage is that the monthly repayments do not repay any of the outstanding capital balance

It is common for lenders to offer rates fixed for a period of 2 to 5 years, but shorter and longer periods can be found in the market

Each year the amount owed will decline