With the property market booming and house prices constantly increasing, it's a tough time for first-time buyers. But this Kit is here to help. Written by an expert mortgage adviser, it gives you inside information on how the mortgage business works and on where you can make, sometimes, huge savings.

It gives you all the information you need on how to:

• »  Work out how much you can borrow
• »  Get a mortgage if you have a poor credit history or have debts
• »  Find a good mortgage deal
• »  Budget for a new mortgage
• »  Find a good solicitor, lender and insurer 
• »  Save money on lender's fees, mortgage adviser fees, solicitor's fees, surveys and insurance

This Kit takes you step by step through every stage of the buying process and enables you to carry out your property purchase as effortlessly and as economically as possible.

For use in England, Wales and Scotland.

Guidance manual contents

• »  Raising finance for your first property purchase
• »  The features of different types of mortgage
• »  What you can do if you have debt problems or a poor credit record
• »  Using the knowledge of a mortgage adviser without paying their fees
• »  Ways of getting onto the property ladder by buying a share of a property
• »  Getting the most out of your solicitor
• »  Insurance policies to protect your mortgage payments 

Checklist booklet contents

• »  Insurances Checklist  
• »  Mortgage Adviser Checklist 
• »  Mortgage Checklist
• »  Solicitor Checklist
• »  Survey Checklist  
• »  Mortgage Adviser Savings Checklist (inc. Insurances Savings Checklist)
• »  Mortgage Savings Checklist  
• »  Solicitor Savings Checklist  
• »  Survey Savings Checklist
• »  Key Information Template 
• »  Provision of Information Checklist