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The date and actual time of day of completion is quite specific and relies absolutely on the transfer of money

APR - Annual Percentage Rate An indicator which is used to compare rates of interest. It takes into account the costs involved in setting up the mortgage, any discount periods, how often interest is calculated and calculates what the average rate of interest will be over the term of the loan. All lenders that comply with the consumer credit act must ensure that the borrower is notified about the APR

In such circumstances the borrower will be facing a significant increase in their monthly mortgage payment at the end of the discount benefit period

Investment backed mortgage With this method you pay interest only to the lender and separately take out a suitable investment to repay the capital at the end of the mortgage term

Sewers and drainage

Contrary to popular believe, lenders can be flexible

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

A flexible mortgage linked to a current account

b) If you are able to afford the remedial work over a staged period after completion, then consult the lender or broker to discuss staged release payments

Providing all payments are made in full, at the end of the term, no capital will remain outstanding

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

Areas to pay particular attention to in selecting your cover are: Cover for any accidental damage

Will your items be adequately insured during the move? Existing loan settlement figures If you already have a mortgage, do not assume that you have less owing than the amount originally borrowed

Has it been re-plumbed or rewired? If so, ask to see any certifications or guarantees Look for cracks, uneven floors or doorways and any signs of water damage

Absolute title Having absolute title on a property means that you have full rights and ownership relating to the property

Agricultural Covenant A planning covenant that allows the construction of a residential dwelling provided it is to be occupied by a person employed or associated with working on the land. Properties such as this tend to attract a lower value, as they can only be sold to another person in similar circumstance unless the covenant is lifted. Annual bonus A bonus paid annually on an endowment mortgage which is dependent on the performance of the investment fund you are using to repay your mortgage.

It may also indicate how genuine the sellers are

Location : Normally an agent will ask for a number of areas Do you need finance? If not how are you financing the purchase? Is it dependant on selling a property? If you have registered with an agent and your not getting any details

Lenders now offer insurance policies that pay mortgage bills for around a year if you lose your job

12 weeks to go Try starting a notebook to record details

Obtaining quotes for conveyancing is simple

The endowment is a long-term investment product, which should be held to maturity to get the maximum benefits

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

Disadvantages: Generally the rate will not be competitive in relation to the market

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

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

This is known as an Adverse Valuation and may occur due to any number of factors, but in most cases it is connected with the condition of the property

Check to see if this applies with your lender or solicitor

It is normal for lenders to charge up-front fees in the form of booking and/or arrangement fees

You may not get a straight answer, but at least the owner and agent will be aware that you know the score

Until the arrival of flexible mortgages most, if not all, UK lenders were charging interest on an annual basis which meant that borrowers making over-payments were not getting the benefit straight away because it could be a year before the capital was reduced by the over-payment

FIXED CAPPED DISCOUNT VARIABLE Fixed Rate Mortgage