In recent years purchasing apartments has become increasingly popular with both investors and owner-occupiers.

Many people use property investment as a means of planning for their future. Not only does it generate an income, but there is also a gain to be made when the property is eventually sold on. It is a good idea to view property investment as a medium to long-term commitment.

When entering into a mortgage for the first time, it is important to realise that what seems to be the cheapest option may not necessarily be the deal that's right for you.

Banks and Building Societies are constantly promoting their advanced and customer friendly way of banking. We continuously hear about how much your bank can do for you and applying for a mortgage is certainly the time to put this to the test.

It is very obvious that applying for a mortgage is not a simple task. It is the biggest investment that most of us will make throughout our lives, and one that makes us very vulnerable and nervous.

Your mortgage is one of the single biggest things that you will do throughout your life. For most of us it is a long-term loan, which will be sanctioned only if we agree to give our properties as security.