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g Loans for holidays may be restricted to a 12 or 24 month term)

Pension Plan Life assurance cover is provided and monthly payments are made into a pension fund

Until the seller receives these funds, the buyer may not normally have access to the property

Capped Rate Mortgage

Find out what else is included in the sale

Advantages: The tax advantages a pension policy has make this type of mortgage the most tax efficient available

Another handy tip often overlooked or underrated is to check out the school run or office trips that you would normally take

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

4 weeks to go Arrange buildings insurance for your new home to commence on exchange of contracts. Check that your home contents are adequately insured (transit insurance) during the move. Start to use up food from your freezer. Contact the telephone company to organise reconnection or installation of a line. Book time off work. Make special arrangements for pets and remember that they often find moving home stressful!

You never know, it could be a deciding factor involved in your decision to purchase or not

Borrowers with new loans only get the interest paid after waiting for nine months

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

The offer includes the purchase price, date of entry, alterations and specialist works together with any inclusions such as carpets and curtains etc

This may be due to a number of factors, but mainly occurs due to the condition of the property

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

Capped mortgage Capped mortgages have a limit to any increases in the variable rate, for a selected period of time

Stamp Duty becomes payable at the time of completion/taking entry and is normally made via a solicitor

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

This is usually linked to the amount of cashback provided

Nonetheless millions of borrowers have one or more endowment policy and as a rule of thumb these should not be cashed-in early and certainly not before seeking advice from a suitably qualified financial adviser

Possibility for first time buyers to use to enable them to obtain a mortgage when they are unable to raise a deposit other than by short term finance arrangements

All lenders base their mortgage range around their variable rate of interest

The process of registration is usually conducted via a solicitor

A previous buyer will only be too happy to get some of the costs back

Prior to making the decision to remortgage it is important to establish a number of basic facts or the benefit of your remortgage may be significantly reduced by penalties imposed by your current lender

The flexible mortgage concept was imported from Australia so occasionally you may hear them referred to as ‘Aussie style mortgages’

In most cases, it is simply not worth it

Valuation Fee The amount charged to conduct a valuation of the property on behalf of the lender

This is widely accepted as the most straightforward of the mortgage options