As a buyer you will either find our property in our sales property section, or on one of our portal partner property websites, or through our email updates for registered applicants. We provide floor plans, photo’s and full descriptions.
Could you please have the links that are highlighted in blue to link to our sales search and all links to their relevant places.
Calculate your finances
Before you do anything, speak to our mortgage broker who will find you the cheapest and most appropriated arrangement in your circumstances. There are many options such as:-
- Repayment Mortgage
- Interest Only Mortgage
- Fixed Rate Mortgage
- Capped Mortgage
- Types of interest only mortgage
- What type of Interest Rates are available?
- Tricks of the trade
- Types of Insurance
Instruct a solicitor
It is important to have a solicitor in place that is based within easy reach and knows your target area. You should choose a solicitor with experience in property conveyancing. Speak to our recommended conveyancers. There shall be links hear.
Arrange a viewing
Before you arrange a viewing, you must be registered with us, with your full details filled in. Our negotiators do the majority of their own viewings however in some circumstances our vendors will undertake viewings and as we hope you understand they expect us to pre-qualify any potential buyers. When you find a property that you wish to view, simply contact us.
Please make sure that if you have any problems in making your viewing that you give us as much notice as possible. We will generally ask for feedback so we can give this information to our Vendor.
Submitting an offer
If you like the property and wish to make an offer please ring or email us at the office as soon as possible.
Acceptance of offer
On acceptance of your offer we ask you to supply us with all your Solicitors details and mortgage broker. Terms of the agreed sale are then drafted by us and sent through to yourself, the vendor and both your solicitors and the vendors solicitors. (sales memorandum)
Your lender will usually arrange for a survey through your mortgage broker, so contact them. Once the survey has been done, your lender should approve or reject the mortgage offer within 3-10 days. If you are a fully cash buyer, you should arrange for your own survey to be done by a Chartered Surveyor. See the RICS website (www.rics.org) there may be a link to recommended surveyors.
The solicitor will respond to enquiries raised within the 'Sellers Pack' which comprises: contract, vendors questionnaire form, fixtures and fittings form, planning consent, buildings regulations, guarantees and in the case of leasehold properties - Accounts, projected future works to the property etc. When the solicitor is satisfied with the purchase, a report is sent to you.
Local Authority Search
Instruct your solicitor to carry out the local authority search. This is submitted to the local council and establishes any current planning or other local issues such as drainage, roads and highways etc.
Exchange of contracts
Once the contract is ready to sign you will be required to put down a deposit, usually 10% of the purchase price. This will be handled by your solicitor, as will the setting of a completion date. Upon completion you have to pay the stamp duty.
Price band: Duty:
|£0 - £125,000:||0%|
|£125,001 - £250,000:||1%|
|£250,001 - £500,000:||3%|
|£500,000 or more:||4%|
This takes place a short time after the exchange of contracts (usually within 28 days). Any outstanding money will be paid by your solicitor to the vendor's solicitor so reach for the Champagne and go visit your agent.