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Buildings survey Also known as a structural survey

Know which location/s you prefer

STEP 1 - WHICH LOAN? Unsecured personal loans are available for a range of different amounts and repayment terms

Proposed road works within 200 meters of the property

Bankrupt A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court

Ask why the current owners are selling the property

The costs will be greater for house purchase than for remortgage

The freedom to make additional payments up to the annual limits

Remember, it is your responsibility to get the correct sum insured

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

Anywhere between 1% and 12% cashback has been available

In this, the seller agrees to a period during which they promise not to enter an agreement with anybody else

In the longer term, with flexible mortgage rates, you should see the reduction of the amount owing occurring more quickly than a standard mortgage

It simply informs the seller of your interest

This is more likely to occur within the first 3-5 years of the mortgage term and more common with discounted, deferred or fixed mortgages

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.

There is no reason why completion may not take place at the same time as exchange providing all the necessary conditions have been fulfilled

If using a removal firm we suggest obtaining several quotes first

Generally anything between 1 and 25 year fixed rates are available

carpets and curtains, wall lamps, etc

The cost of the survey is usually between £150 and £300 and provides a more in-depth inspection of a property

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

During the early years you will find the charges in certain policies will eat into the premiums and reduce the amount you are accumulating towards the repayment of your mortgage

The current options available to you in conjunction with interest only mortgages include endowment, pension or an Individual Savings Account (ISA) Advantages: There are a variety of investment vehicles available to use to repay interest only mortgages, some offering tax advantages

Advantages: Cash payment may be useful to those utilising their savings as a deposit, to enable them to afford fixtures and fittings for the property

This method is designed to give you the opportunity to generate a cash sum sufficient to repay the outstanding mortgage capital at the end of the agreed term

Alternatively the title deeds will be sent to the mortgage lender in the case of raising finance for the purchase

It may be that there is more or less demand on a certain type of property or particular estates/areas

However, it is often overlooked that you may approach the seller or agent to negotiate a shorter period

Compare the property with surrounding properties

A booking fee will normally be required with the application form

Popular in the late eighties and the nineties an endowment policy is a combination of two basic elements, namely a savings plan and a life assurance policy

Receive replies to questions raised and reports to you with the contract for signing