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Nonetheless millions of borrowers have one or more endowment policy and as a rule of thumb these should not be cashed-in early and certainly not before seeking advice from a suitably qualified financial adviser

What the search should highlight Any Planning notices

Each lender will have a maximum percentage of the value that they will be willing to lend in each individual circumstances, this is more commonly known as the maximum loan to value (LTV)

The period an Early Redemption Charge applies can vary

As a result the seller is in a stronger position and is likely to be less receptacle to any or significant price reduction

Whereas in Scotland, the survey is completed before making a formal offer

A previous buyer will only be too happy to get some of the costs back

Lenders have been known to charge a switching fee even if you refused to accept the lenders insurance cover at the time of taking out a mortgage

ISA The Individual Savings Account (ISA) is a tax free method of saving

At this point you will need to pay your share of the property purchase to your solicitor who will exchange this and the money from the mortgage provider for the Disposition (or Title Deed)

As soon as you have found a property that you wish to make an offer on, your solicitor will note interest for you

The capped rate has a maximum rate above which your loan will not be charged, however should the lenders variable mortgage rate fall below the level of the cap then you will still benefit from this rate

We have a Support Team who can be contacted by telephone should you require any further assistance along the way

As the discount is linked to the standard variable rate, the borrowers payments will increase, if rates rise – so there is no certainty in budgeting

This is called a collar

The level of taxation rises according to the property/land price

All formal letters and missives go to create the contract

Valuations and mortgage reports Note, a valuation is not a survey