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Buying Information

Buying a house needn’t be a complicated process…

10 simple steps to buying your dream home

Register for property

1) Register for property

 

The first step is to let us know what you are looking for. You can register online (click here for registration page) or call us on 01256 819491. If you prefer to come and see us, please call in, we have plenty of free parking!

   
Your search

2) Your search

 

Now we have a clear understanding of your requirements we can set about finding your new home. We can tell you about new properties by phone, e-mail or text depending on your preference.

   
Mortgage

3) Mortgage

 

We can introduce you to Firstxtra Financial Services who can help with your mortgage needs. Click here for more information on mortgages

   
Your own home

4) Your own home

 

If you are going to be selling a property in order to buy, now’s the time to bring it to market. Request a free valuation on our registration page: Click here to register

   
Viewings

5) Viewings

 

We will accompany you on all our viewings so that we are on hand to answer any questions and to gain a better understanding of what you like. We are able to view at times to suit including evenings and Saturdays. If you see a property you like, book to view it at your earliest convenience so you don’t miss out!

   
Offer

6) Offer

 

Found one you like? Now’s the time to make your offer! We will guide you on the figure and submit to our client both verbally and in writing. All offers at this stage are subject to contract.

   
Sale agreed and legal work

7) Sale agreed and legal work

 

If it’s a positive reply the sale is agreed and you need to instruct a solicitor. The legal work involved in buying a house is called conveyancing and it is best to use a solicitor who specialises in this field and is familiar with the area you are buying in. We have excellent working relationships with many local firms will be happy to recommend one for you.

Your solicitor will receive a draft contract from the seller’s solicitors and will raise necessary enquiries and any further searches or use the information already provided in the seller’s home information pack. It is a good idea to loosely discuss a target moving date at this time in order to make sure all parties are working to the same timescale. Do not take this as set in stone as many factors can slow the process meaning that dates slip.

It is also now that you instruct your mortgage broker to proceed with your mortgage and survey. The survey on behalf of your lender will ensure the property is sound and confirm the value. If you wish to have a further, more detailed survey, we can recommend local surveyors for you.

   
Contract approval and mortgage offer

8) Contract approval and mortgage offer

 

Once your solicitor is satisfied with the searches and answers to enquiries, they will approve the draft contract. Your formal mortgage offer will be sent to your solicitor for you to sign. Once signed and returned your mortgage is in place and you are ready to exchange.

   
Exchange of contracts

9) Exchange of contracts

 

The contract is signed by you and the seller. Your deposit (typically 10%) will be sent telegraphically or by bankers draft to the seller’s solicitors. The completion date is now agreed and set.

   
Completion

10) Completion

 

This can be agreed to be a few days to a few weeks after exchange. Residual monies will be sent from your solicitor to the seller’s solicitor’s account. Once there, congratulations! You are now the owner of your new home. This usually occurs around lunchtime and arrangements can now be made to come to us in order to collect your keys!

 

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