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How much do these policies cost? Expect to pay around £5 for every £100 of your mortgage bill

The differential between base and pay rates remains constant for an agreed period and is normally far smaller than the margin on an ordinary variable rate

Each year the original capital sum will remain outstanding

Endowment ISA Plan Pension Endowment The most common type of interest only mortgage which also provides life assurance cover and a fixed payment for investment

Be precise when filling out the registration forms

There may need to be further formal letters before both parties are in full agreement and your offer is accepted

Although both may vary, a deposit of between 5% and 10% is common, as is completion 28 days after exchange

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

This is a relatively recent introduction into the market and allows you to put all your money in one place, including your savings, current account, credit cards, loans, and earnings

As a result a lender may restrict the amount they are prepared to advance or place conditions on the advance

Upon making an offer via the agent or directly to the seller, the experienced seller is likely to take into account several factors over and (in many cases) above the offer price itself

Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

it may not appear on the mortgage Offer as Mortgage Indemnity Charge or High Percentage Lending Fee

Many lenders now offer specialist buy to let mortgages that allow private landlords to fix their interest payments for five years or more, providing you with some security over mortgage funding costs

Should the lender determine that an inspection is required before releasing any further funds, this normally carries a small fee that will be deducted from the withheld advance

Booking fees are often non-refundable, so if the mortgage applicant cancels the mortgage application before completion the fee will not be reimbursed

You stand to lose more than the property you had your heart set on as you may well have paid for surveys and searches, none of which will be refundable

Once the written negotiations (missives) have been completed, your solicitor will obtain the Title Deeds to ensure the seller is the genuine owner and check with the local authority on a range of matters (searches) to make sure you understand how or whether your property is affected by rights of way, restrictions of use and so on