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Advantages: With the built in life assurance and in most cases critical illness insurance the overall cost is usually lower

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

Portable Mortgages Some mortgage products are portable (subject to the lender’s policy), which means if you move home you may be able to transfer your existing mortgage onto the new mortgage for your new home if you stay with the same lender.

Specific questions which may cover issues such as disputes with neighbours, alterations to the property, etc

You believe that the investment market over the period of your mortgage is likely to generate a cash surplus over and above that required to repay the mortgage

You should also receive a summary of the present state of the property along with any recommendations concerning future maintenance

Arriving at the property Before knocking, take a few moments to observe your first impressions

Look out for fixed features in the garden such as greenhouse, garden sheds, birdbaths, statues etc

The earlier you contact them, the more sympathetic they are likely to be

However, most vendors are reluctant to take the hit on the full amount

Freehold A freehold gives the buyer complete ownership of the land and buildings on it. Freeholders can therefore do what they like with their property and land, subject to general law (particularly planning control) and to the lawful rights of others. The fact that a property is available as a freehold, usually adds to the value over that of a leasehold.

Frequently individuals will move from job to job requiring alterations to be made to their retirement planning which may adversely affect their mortgage planning

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

Assessments are generally made very quickly based on your personal circumstances

Check the plumbing and wiring

Amendments to the 1988 Housing Act has reduced the fear of landlords that tenants, once admitted to the property, will prove all but impossible to evict

Ensure that you understand the full implications regarding the reasons for the adverse valuation and any restrictions your lender may make

It is also worth pointing out that historically the returns on endowment policies have been pretty good (provided they go full term)

The customer is charged mortgage interest on £48,000 i

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

County Court Judgements (CCJ) An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors

5%

Should your lender waver or reduce the redemption fee then it is likely that it would be on condition of keeping your business with them

conducts a local authority search to highlight planning, financial and other charges affecting the property

There are many reasons why a seller may want a quick sale

Usually this type of flexible mortgage will also calculate interest daily meaning that you will see an immediate impact of any overpayments that you make

Customers cashing-in an endowment policy in the first few years after inception can receive less than the amount invested

Taking a look at the overall market conditions is essential, but we also suggest that you take a look at the local conditions