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Proposed road works within 200 meters of the property

This means that all bank rates cuts are automatically passed on to the borrower

Separate life cover will be needed to repay the mortgage if you die especially if you have any dependants

The seller needs to move fast

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

All mortgage lenders require a survey, some more thorough and detailed than others

The law on moveables is quite complex

There is a wide range of contents insurance options and packages on the market

Once the sellers conveyancer has received the funds, payment will be made to the sellers lenders to pay off any mortgage outstanding on the property

They are also generally linked to variable rates and so reductions in your mortgage payments in the early years may not be possible with this type of product

Ideally suited to the self-employed Individual Savings Accounts (ISA) Advice The Basics: Introduced in April 1999 individual savings accounts were designed to replace Personal Equity Plans

The valuation does not represent a detailed inspection

Some sites are also offering information about local schools, crime rates, and average property prices

There has been a previous price reduction on the property

In most cases, it is simply not worth it

This will depend on future investment performance

Insurance It is essential to take out the proper insurance and it must commence upon exchange of contracts

12 weeks to go Try starting a notebook to record details

Your mortgage lender will insist on a property survey before approving your mortgage

The first of these relates to the current market value of the property to which the mortgage relates

Unfortunately not all estate agents are ethical in this area

Cashback The Lender, as an incentive, will offer a lump sum of cash once the mortgage has been taken out

For more information see: Searches - what they should highlight Land registration The Land Registration fee will cost from £40 to £800

Suitability: The interest only mortgage option is suitable in a number of circumstances the most common being those identified below: You do not mind taking some degree of financial risk

Check to see if this applies with your lender or solicitor

Advantages: Monthly payments can adapt to the level of monthly income you receive