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My Company Property Specialist

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The Buying Process

Moving house is very exciting, but it can also be a stressful time. We always try to keep things as straightforward as possible to make the experience more enjoyable for you, allowing you to concentrate on what is truly most important - finding your perfect home.


Agreement in Principle

Before you begin house hunting, it is best to have an agreement in principle for your mortgage. An agreement in principle is confirmation from your lender that, subject to various conditions, they are prepared to give you a mortgage up to a certain amount. This means that your budget is clear and that any offers you make on properties are more likely to be taken seriously. We can help you with this as we can access every mortgage lender to help you get the best rate to suit your circumstances.


Decide What You Are Looking For

Location a quiet area or close to a town centre, transport links, etc.
Type of Property - house or flat, number of bedrooms, parking needed, garden, etc.
Budget - work out what you can reasonably afford and remember that you will need to add bills (such as council tax, gas, electric, telephone, etc.) on top of your mortgage.


Start Your Search

Once you have decided what you are looking for and your budget, you can start the search. You can search for and view our website for properties that match your criteria. You can then customise and save your searches. Alternatively, you can register your details and requirements by filling in your search criteria in the ‘Register' section. Another option is to send us your name and contact number through our ‘Call Me Back' feature and we will call you at your convenience to get the rest of the details and help you with your search. Or call in and visit us at one of our offices.


Viewings

When you have found the property that you are interested in we can arrange a viewing for you and you will be shown around by either the vendor or the estate agent.


Solicitors

If you do not have your own solicitor, we can make recommendations to you.

As a buyer, you will need to appoint a solicitor before, or as soon as you see a property on which you want to make an offer as when you are ready to make an offer, your solicitor will contact the selling agent and make an offer or alternatively ask them to "note interest".


Home Report

If you see a property you are interested in buying, you should ask to see a copy of the Home Report from whoever is advertising the property. The Home Report will include a Single Survey, an Energy Report (including an Energy Performance Certificate) and a Property Questionnaire.

In addition surveyors provide a generic Mortgage Valuation Report that answers many of the questions that lenders will have about a property.


Closing Date

After the seller's solicitor has received notification of interest from two or more buyers, they often announce a closing date by which all of the offers must be received. Due to the sealed bids system often used, you will not know what anyone else has bid. As you can only bid once, it is important to think very carefully about what offer to make and get it right first time.

Your solicitor will make the offer on your behalf and will also advise the date of entry, which is the date you will be given the keys to your new home.

Finalising the Mortgage

Once your offer has been accepted, you will need to finalise your mortgage application by going back to your lender and providing details of the specific property you are planning to buy.


Concluding the Missives

AAfter your offer is accepted, your solicitor will conclude the missives.

Unless you are buying a new property, there are no deposits involved, but if either the buyer or the seller pulls out, they are liable for any losses the other party may have incurred.

Once all the details of the sale have been agreed, you as the buyer are responsible for the structure of the building and will need to make sure you have adequate buildings insurance in place. If you need help arranging your insurances, please contact us.


Settlement

All the funds to buy the property, along with all the fees, need to be ready for forwarding to your solicitor before the date of entry and you will need to sign the title deed to the property.

Finally, the vendor's solicitor will hand over the keys and the disposition document to you, which legally transfers ownership of the property to you.

If you have any questions or concerns about the house buying process or if you need help finding a mortgage, you can contact us for a free no obligation discussion with a qualified mortgage specialist.

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Please contact us for any further information, advice or help you may need to help you with buying your next home.