Buying
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Arranging your mortgage |
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Before you begin your property search, it is advisable to arrange your finances and, if required, have a mortgage agreed in principle. This will confirm how much money you will have to fund the purchase, which will ultimately influence your property search. |
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Register your interest |
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The first step to finding the right property is to register with us. You can do this by calling us on 01437 762 516 or visiting our high profile office where you can discuss your property requirements with one of our professionally qualified agents. You can also register your interest online. |
| Finding the right property | |
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Once we have a clear understanding of your requirements you will receive a selection of properties that match your criteria. We can also keep you constantly up to date via email and of course, by talking to you when the latest properties become available. |
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Making an offer |
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Once you have identified a suitable property we will put your offer forward to the seller both verbally and in writing stating any special conditions of the offer. You may need to demonstrate, if requested, that you are able to proceed (i.e. provide evidence of your mortgage agreed in principle). |
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Offer agreed |
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Once your offer is accepted we will do the following: |
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Instructing a solicitor |
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The successful purchase of a property can be reliant on the instruction of an efficient and experienced solicitor. It is a good idea to use a solicitor who knows the area well and specialises in conveyancing. |
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Conveyancing |
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As part of the conveyancing process your solicitor will do the following: Raise any enquiries on receipt of the draft contract from the seller’s solicitor Request their own local searches Send out pre-contract enquiries Agree on a date for exchange of contracts We will assist your solicitor and negotiate throughout the process, keeping you informed every step of the way. |
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Survey and mortgage offer |
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A survey of the property will be booked by a surveyor on behalf of the mortgage lender to identify any structural problems and advise on the property’s value. After the mortgage valuation report is received, a formal mortgage offer will be sent to you and your solicitor which you will need to sign before it is returned. |
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Exchange of contracts |
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Exchange of contracts occurs when all enquiries have been confirmed and agreed. Once the contract has been signed by both parties, the deposit (usually 10% of the purchase price) will be telegraphically transferred or paid in the form of a banker’s draft from your solicitor to the seller’s solicitor. The completion date is then set by mutual agreement. |
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Completion |
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Completion is when the residual monies (usually 90%) are transferred from your solicitor to the seller’s solicitor’s account. We will release the keys once the money has cleared in the seller’s account. |
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Many congratulations! You are now the legal owner of your new home! |
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