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Cashing in the plans early may result in financial penalties

Has it been recently decorated? Does it require any major work or modernisation? Ask what else is included in the sale

They are more expensive than the lenders valuation

There will usually be a required period of payment before protection will become available and some people may be excluded from its cover

Capped Mortgage Capped Mortgages guarantee that the interest rate charged will not rise above a certain level for a set period of time. However, if the Standard Variable Rate goes below the capped rate, the Standard Variable Rate will apply. Once the set period of the capped rate has ended, the Standard Variable Rate of interest will be charged.

Personal Possessions (including cash) on an all risk basis, in and outside the home

Again, if you have any concerns about this, your solicitor will be able to advise you

The Early Redemption Charge can represent a significant sum although the amount will differ between lenders and between products

As a consequence lenders frequently ‘lock-in’ borrowers by applying Early Redemption Charges for those paying off the mortgage early

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

Advantages: The tax advantages of individual savings accounts allow you to receive tax-free returns

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

will need to be addressed during this period of pre-contract enquires

The cost of this is therefore to be taken into account when selecting a lender

Some short term discount products offer a ‘deep discount’ e

For peace of mind it may be appropriate to obtain a ‘Housebuyers Report’ or a ‘Full Structural Survey’