Information for Purchasers
Looking to buy a property in our area? Then firstly make sure you have registered with this company to be notified as quickly as possible with new instructions.
Step by step - buying a home:
Visit an adviser to discuss your mortgage and protection needs. Your adviser can apply for an approval in principle early in the process so you've an idea of the amount you can borrow.
Register with estate agents, check property websites and look in local papers.
Arrange to view any potential properties.
Once you have found a property you wish to buy make an offer via your estate agent.
Once your offer is accepted complete a mortgage application with your adviser. Your lender will then undertake credit searches and instruct a valuation.
Consider having a survey completed on the property you are purchasing. For more information on surveys click here.
Instruct a solicitor or licensed conveyancer who will undertake all the legal work required throughout the process of you buying your home.
Raise any concerns or queries regarding the property with your solicitor/conveyancer.
Obtain quotes for building insurance and property removals.
Organise your deposit ready for exchange of contracts.
Ensure all necessary papers are signed and returned to your solicitor and adviser.
Ensure your mortgage lender has produced a mortgage offer.
Your solicitor will draw up contracts and arrange a date for them to be exchanged. Once contracts have been exchanged you are legally committed to the contract. If any deposit is due it will need to be paid at this point. At the same time the date of exchange is agreed the date for completion will also be decided.
Buildings insurance will need to be in place (on risk) from exchange. It may be appropriate to have some of your other protection needs to be in place at exchange.
Confirm your removal company booking.
Forward any monies required to complete the purchase to your solicitor
Collect the keys and read the meters
MOVE IN!
