Buying

The buying process isn’t the nightmare most people would lead you to believe. It is, in fact, quite simple and can be done in a few easy steps.

Working Out A Buying Budget

If you have cash, then your buying budget is easy to work out! However, if, like most people you need a mortgage then we have to work out what you are entitled to.

First thing to do is to sit down with one of our mortgage brokers and work out what you can afford to buy.

Once that is done, we can help you find the perfect property for you.

Finding a Property

This can be the hardest part of the whole process because you will have to visit property after property until you find something you like.

We will naturally offer you any properties on our books but personal taste is still personal taste at the end of the day and as much as we would like you to buy from us, we cannot force you into it.

Don’t despair! Even if you are not buying a property through us, we can still deal with the rest of the buying process for you.

Once you've found a suitable property, it’s time to make an offer!

Making an Offer

When making an offer you're free to give what you feel is a good offer or if you are happy, pay the full asking price offer that. However, we would advise that you do not make 'silly' offers e.g. if a property asking price is £300,000 do not offer £200,000 as it would be considered a 'silly' offer and be immediately rejected.

If your offer received is below the asking price, then we will enter into a phase of negations between yourselves and the seller.

Once we've agreed a price between you and the seller we issue all of the relevant paperwork and let the solicitors begin their work.

During the course of the mortgage application, the mortgage company will need to send one of their own surveyors to the property for valuation.

Once the survey has been done, then you will receive YOUR mortgage offer.

As soon as you have your mortgage offer you are ready for the next step.

Exchange & Complete

You will then pay the monies to your solicitors who will then in turn 'Exchange Contracts'. This is done usually with 10% deposit (unless otherwise arranged) and the seller has an agreed time period to pay the balance of the monies – normally 28 days.

A Completion date will be set by both your solicitor and the seller's solicitor. During this time it’s a good idea to start arranging for your belonging to be moved into the property when you get your keys – no point in wasting time!

On the day of completion, your solicitor would have sent all of the funds from you to the seller's solicitor and will call you to collect the keys to your lovely new home.

That’s it job done!!