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Base Rate The standard rate of interest set by the Bank of England which all lenders generally follow.

Payment holidays are permitted

You can also obtain wider protection to include damage or theft of shrubs, trees, flower beds, garden ornaments, gates and fences

Once all documentation is in order (after checking with you and your lender) the solicitor will send the title deeds for recording in the Register of Sassines or registration in the Land Register of Scotland

There are strict limits on the amount that can be taken as a tax-free lump sum, which can lead to a shortfall in certain circumstances

Much depends on the agent, the seller and your confidence in your negotiation skills

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

The area of self-certification mortgages is a relatively new one which is proving popular due to the changing working environment

Possibility of losing out should interest rates fall below your agreed rate

5% of the value of the property for your conveyancing

This can lead to an individual paying interest on a mortgage for in excess of 25 years, which is generally an unnecessary expense

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

Whilst practically the entire range of mortgage schemes are available to you with the exception of rates designed specifically for first time buyers, moving house may provide an excellent opportunity to consider what your future plans may be

Lenders offer insurance policies or payment protection schemes to protect you in the event of accident, illness, unemployment and death (subject to conditions), for which the charge is added to your monthly repayment

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

The plan provider will then add bonuses to the individual plans at the year-end depending on the performance of the investments within the fund

A standard policy will typically include such cover as loss or damage to your possessions while in your home, alternative accommodation to the value of 15% of the value of the sum assured

Assuming your intentions to purchase are serious, it is vital to put in some preparation work to ensure you are taken seriously by an agent and seller

This service is subject to a small fee, and is available by contacting: Experian Ltd Online: wwwukexperiancom/consumer Telephone: 0870 241 6212 Post: Consumer Service Help Centre Experian Ltd PO BOX 8000 Nottingham NG1 5GX Equifax PLC Online: wwwequifaxcouk Telephone: 0870 010 0583 Post: Credit File Advice Centre PO BOX 3001 Glasgow G81 2DT If you are experiencing problems with your credit you may wish to contact the following companies for some help and advice

The law on moveables is quite complex

An estate agent has the duty by law to inform the seller of all offers made on their property, regardless of an offer having already been accepted

As a tip, note that in the UK you can only drive up to a 3 tonne vehicle before you need an HGV license