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Set your price range and when you would ideally wish to move

A removal firm will normally supply a quote over the phone, based on the location your moving from and to

1 week to go Pay all local milk/paper bills. Cancel any services, e.g. window cleaner, milkman, newspaper delivery. Return videos/library books/pick up dry-cleaning. Drain petrol/oil from any garden equipment. Prepare directions for removals company. Confirm final details with them and include contact/mobile numbers for you throughout the day. Make sure all the utilities at your new home will be fully functional for when you move in.

a 5 year discount with a 7 year ERC

You will be kept up-to-date on the progress of your application by e-mail

Stage 2 - Assessment of draft contracts This is the point at where both parties solicitors negotiate the deposit payable on exchange of contracts, the time between exchange and completion and any allowance by the seller to let the buyer have access to the property ahead of time

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)

The policy is usually highly portable and allows free movement from lender to lender

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

Disadvantages: Associated redemption penalties are restrictive

You are not looking for a guarantee of repayment at the end of the mortgage term

These bonuses termed either annual or reversionary cannot be taken away

Searches - what they should highlight Your solicitor will carry out local searches to ensure that the property you are planning to buy does not have, for example, a road planned at the bottom of your garden, any compulsory purchase orders attached to it, or any local land charges adjacent to the property you are buying

Your local borough council or solicitor will be able to provide you with the exact cost

A separate life policy will be required in most cases

This will depend on future investment performance

The Association of Residential Letting Agents (ARLA) says most landlords should be able to obtain gross rent equivalent to between 130% and 150% of the rental propertyıs mortgage repayments (interest only)

Choosing a surveyor Reputable surveyors will confirm an instruction in writing with details of costs, qualifications and the nature of the instruction

If a redemption fee does apply, all is not lost

(Typically £800) Avoid gazumping and contract races To help protect yourself from future disappointment, wasted time and expenditure, during the process of making an offer it may be worth trying to ensure that the agent and the seller agree that higher offers will not be entertained

We are experts in finding mortgages and loans for people with a problem, or poor credit history

Stage 3 - completion On the completion date, the buyer obtains all rights to the property in return for the actual transfer of the funds covering the purchase price (less any deposit already paid)

Note that even after repossession the former borrower will remain liable for any sums owing (shortfall between selling price and mortgage outstanding plus arrears, lenders legal costs and any other charges applied to the mortgage) and can be pursued by the insurance company for payment at a subsequent date

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

The second influence on the amount you can borrow is your current level of income