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ADVANTAGES If the proceeds of the plans exceed the amount required to repay the mortgage, then this is received as a cash lump sum by the borrower

Ensure that your solicitor is aware of the survey and any other information you have learned about the property

Note, the fee is usually non-refundable

Title Deeds Title Deeds consist of a pack of legal documents, which a lender holds for the duration of the mortgage as security against the loan. The documents include who owns the legal title to the property and land, the results of solicitors’ searches and a map of the property with the legal boundaries defined.

Tracker Mortgage A Tracker Mortgage is linked to a benchmark interest rate, such as the Bank of England base rate. This is usually only for a set period of time. The rate you pay moves up and down in line with the benchmark selected. At the end of the set period, the Standard Variable Rate normally applies

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

Are you in a strong position? A professional estate agent will have gained information from you regarding your current position, status and seriousness of intent to buy

£200 to a percentage of the loan e

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

It is important to bear in mind that many lenders charge a small premium on self-certificated business to reflect the extra risk involved

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If you do have difficulty making your repayments you should seek advice from your lender immediately

It simply informs the seller of your interest

At the end of the term, therefore, you will need to repay the capital

However, try to include as much as possible in the negotiations

However, in the greater scheme of things it may prove worth paying as a more competitive insurance may be had elsewhere

On-line conveyancing On-line conveyancing is one of the latest improvements in the legal process of buying and selling

Fortunately there are a number of mortgage deals promoted by lenders aimed specifically at first time buyers