IF YOUR house sale falls through you could lose the money you have spent on professional fees. Your Move is now offering buyers and sellers two insurance polices designed to help recover such fees.

* The Buyers Cost Protection Plan covers up to £150 for legal fees and up to £250 for lost mortgage valuation fees.

* The Sellers Cost Protection Plan covers up to £300 of legal fees.

Whether buying or selling, the cost of the policies is £36 for three months' cover - and you do not have to be buying or selling through Your Move to take advantage of the policies.

Andy Trantum, a divisional sales director, said: "It is a sad fact that about a third of house sales agreed fall through before contracts are exchanged, often leaving both buyers and sellers with not just huge disappointment, but also with large bills to pay."

Your Move is also offering a new mortgage with a capped interest rate, which means the interest period will never exceed this cap during the capped rate period.

The rate is 5.99 per cent and is capped until October 31, 2006.

It also has a free standard valuation of up to £650 and is available to anyone with a five per cent deposit or more.