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 If you are in the market to buy a new home and doing your research into what’s involved, how long it will take, what are the risks etc, then no doubt you will have come across the concept of ‘gazumping’.

When purchasing a buy to let property, investors are sometimes offered the opportunity to acquire the property with tenant ‘in situ’. This essentially means that the tenant currently living at the property will stay in place as the property is sold and become the tenant of the new investor/owner.

Moving home can certainly be stressful with all of the planning, getting your home ready, finding a new home, packing, change of address notifications, setting up new utilities and the like. We can become so busy that it's easy to forget about the impact of a move on our pets. 

If you are thinking of applying for a new mortgage, then understanding and managing your credit rating is very important. Every lender has its own process for credit rating, but almost all of them use the data held by the UK’s leading credit reference agencies – Experian, Equifax and Transunion.

There are a number of costs and fees involved in buying a new property. Before starting your home search, it is helpful to prepare a detailed budget of all costs that will be incurred throughout the process. This budget will help you plan cashflow and  ensure that you have sufficient funds available to complete the purchase  

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