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This acts as a ‘lock-in’ making an often heavy charge for borrowers paying off their mortgage early

Try not to widen your search in too much

The process of registration is usually conducted via a solicitor

For borrowers moving house regularly, this can result in little of the capital being paid off

The opportunity to access the investment proportion of your mortgage in the event of financial difficulties

Overall these policies remain expensive and limited in the cover and peace of mind that they provide to borrowers

If remedial work is required ask the owner if they have had any quotes

Contents insurance can provide cover for all your household contents - furniture, carpets, curtain, pictures TV, hi-fi, personal possessions etc

If you are obtaining a mortgage then your solicitor will need to prepare a Standard Security, giving your mortgage provider certain rights over the property

It may also give you a good indication regarding the seriousness of intent to sell

Contrary to popular believe, lenders can be flexible

It will not protect you to the same degree, but if speed is of the essence, it can save weeks

Outline information is available free of charge, by entering a postcode

The borrower also takes out at the same time, an alternative ‘repayment vehicle’ (method of paying off the mortgage) such as an ISA, pension plan or endowment policy

- keeping them all in one place for when you need them

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

A separate life policy will be required in most cases

All lenders will insist on buildings insurance as the very minimum

We are completely independent and have access to every lender and product on the market

When viewing a property ask the question and try to establish a rapport with the seller

More detailed reports are also available for a small fee

Providing the product has a red apply icon, you can submit your application without leaving our site

Are they in a chain? How quickly do they want to move? Ask if the agent has a sole agency agreement Having been satisfied with your initial enquiries, it is now time to book a viewing

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

If you are not happy with the answer, investigate further or walk away

These mortgages take the benefits of the flexible mortgage and use the funds held in the current account to offset the interest e