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Guide to Buying

Before you begin searching it is advisable to arrange your finances and, if required, have a mortgage agreed in principle. Our in-house mortgage brokers have access to the entire market, as well as exclusive deals and rates to help find you the best mortgage available.

Mortgage Enquiry

Do you have a property to sell?

If your move will involve selling your current home it is advisable to advertise your current property before looking for a new home. Being ready to sell means you are less likely to miss out on your next home.

Book a Valuation

Find the Right Property

With many new listings each week, we’ll help you find the right property. We will keep you up-to-date via email even before properties get listed on Rightmove and Zoopla.

Viewings

Contact us to book the viewing. We will meet you at the property (unless our vendors are happy to do their viewings) so that we are on hand to answer any questions immediately and advise where necessary.

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Making An Offer

Once you find your perfect property you can make an offer either by calling or emailing usLet us know if there any special conditions of the offer and we will communicate this to the seller.

At this point you will need to prove that you can proceed by providing evidence of your mortgage in principle and solicitor details. There are no legal obligations on either side until contracts are signed.

A successful purchase relies on an efficient and experienced solicitor. We are able to recommend  local solicitors that have been hand-picked for their expertise, speed and efficiency.

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Offer Accepted

Once your offer is accepted we will do the following:

  • Prepare a memorandum of sale.
  • Confirm the agreed price with all parties.
  • Confirm your solicitor and mortgage details.

You will now need to instruct your solicitor to proceed with the conveyancing process and your mortgage broker to proceed with your application.

Conveyancing

As part of the conveyancing process your solicitor will do the following:

• Raise any enquiries on receipt of the draft contract from the seller’s solicitor
• Request their own local searches
• Agree on a date for exchange of contracts

We will assist your solicitor and navigate you throughout the process, keeping you informed every step of the way.

 

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Process of Conveyancing

Survey & Mortgage Offer

A survey of the property will be booked by a surveyor on behalf of the mortgage lender to identify any structural problems and advise on the property’s value. After the mortgage valuation report is received, a formal mortgage offer will be sent to you and your solicitor which you will need to sign before it is returned. There are no legal obligations until contracts are signed.

Exchange of contracts
Exchange of contracts occurs  when all enquiries have been confirmed and agreed.  Once the contract has been signed by both parties the deposit (usually 10% of the purchase price) will be transferred online from your solicitor to the seller’s solicitor.  The completion date is then set by mutual agreement.

Completion
Completion is when the residual monies (usually 90%) are transferred from your solicitor to the seller’s solicitor’s account. We will release the keys once the money has cleared in the seller’s account.

Congratulations, you are now the legal owner of your new home!