Here is a quick guide to buying a property & some key points to consider.

For more in depth help on any aspect please get in touch with us for expert advice.

Budget including fees – mortgage fees, local search fees, stamp duty if applicable.

Needs and wants – number of bedrooms, type of property, age, parking, outside space/garden.

Area – proximity to services, schools, work, town or village or rural.

Freehold or leasehold – years left on lease, service charges etc.

Viewing the property – make a list of things to check or questions to ask.

Negotiate a price – speak to the agent & make an offer based on your budget.

Instruct solicitors to act for you – find a local solicitor obtain a quote better to choose local so paperwork, id checks or signing can be sorted much more quickly.

Mortgage – choose the most suitable mortgage  either direct with a lender or via a broker (some may charge a fee) then submit your mortgage application.

Instruct a surveyor if required  - especially useful for older property or if there are any issues you are concerned about.

Receive report from the solicitor – a final report on all aspects of the property for you to check and make sure exactly what you are buying including boundaries, any restrictions on what you can do at the property any planning issues etc.

Exchange contracts & agree completion date - This is where the purchase becomes legally binding and you pay a deposit for the purchase and agree a date to pay the remainder and complete the purchase.

Complete your purchase & receive the keys!  - Completion day you are now a homeowner Congratulations.

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