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Buildings survey Also known as a structural survey

With this type of mortgage, only the interest is paid off with each mortgage payment

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

Interest may still accrue on the balance outstanding so the exact terms should always be verified with the lender

Choosing the correct survey Choosing the correct survey depends on the requirements of the lender and the property itself

Survey costs The cost will vary according to how thorough a survey you require (from £300 - £800 on average)

This policy is designed to offer income protection against unemployment, sickness and redundancy

These are more detailed than a lender valuation but they produced on behalf of the applicant

They will also find that the mortgages they can get will be at a higher interest rate

If the plan is not reaching its expected target, the borrower can increase payments into the policy or invest in another product to cover any anticipated shortfall

Upon making an offer via the agent or directly to the seller, the experienced seller is likely to take into account several factors over and (in many cases) above the offer price itself

Ask how long has the property been on the market and if there has been a price reduction

The amounts can range from a flat fee e

Which way is the property positioned? East facing rooms will receive more sun in the morning; West-facing rooms will be brighter in the afternoon

Each year the amount owed will decline

Some inexperienced and less ethical agents are driven by working on commission or sales targets and may be inclined to try scare tactics or apply pressure for you to purchase