Although moving and or buying a home is commonly listed as one of the top three most stressful things a person can do, we’re here to support you to tackle those challenges head on.
Although moving and or buying a home is commonly listed as one of the top three most stressful things a person can do, we’re here to support you to tackle those challenges head on.
With expert, professional knowledge at first hand and access to cutting edge communications technology, you’ll have all the confidence you need to navigate the property landscape and find your new home.
You’ll receive continuity of service throughout your purchasing journey to help ensure a smooth and simple transaction. You can expect to receive regular updates with suitable property as and when they come to the market.
Exciting times, buying a property. There’s clearly a lot to think about. We feel, there’s nothing quite like a face-to-face chat with a professional; however, here’s a quick summary of useful tips and reminders.
Before anything else, it’s essential to determine how much you can afford to spend on a property. Consider any cash you have for a deposit, then consult a mortgage broker or multiple lenders to find out what they’re willing to lend you. Be sure to get their ‘in principle’ offers in writing, and don’t forget to set aside money for stamp duty land tax.
Once you’ve explored estate agents’ websites and property portals, it’s time to book some viewings. When touring a property, make the most of the estate agent’s expertise by asking plenty of questions to gain a better understanding of your purchase.
When you’ve found a property you want to buy, contact the estate agent to communicate your offer. Remember, negotiation is key when making a purchase. Good luck.
Once your offer is accepted, it’s time to hire a conveyancer. This legal expert will handle all the paperwork and ensure everything is in order. They’ll manage the contract details and now it’s time to consider a survey. Always seek advice but having a survey can provide invaluable peace of mind.
If you need to borrow, it’s wise to apply for a Decision in Principle from a mortgage lender and find a solicitor before making an offer. We can connect you with our carefully selected specialist partners to assist with these services—just let us know.
Every purchase is unique, and both you and the seller’s circumstances will affect the timeline. If the seller has vacated the property and you have your mortgage secured or cash funds ready, exchanging contracts and completion can happen quickly; however, we’d be happy to review your situation, just call.
Conveyancing is essential for making the property officially yours. Since it can be a complex process, you’ll need a solicitor to guide you through it. We are more than happy to recommend local firms for quotes, as costs and services can vary significantly.
If you’re purchasing a property in England for more than £125,000 you’ll need to pay Stamp Duty Land Tax (SDLT), unless you’re a first-time buyer, in which case you’ll pay no SDLT on properties up to £300,000. The amount owed depends on the property’s value, based on a percentage of the purchase price. To get an accurate figure, it’s best to use a stamp duty calculator specific to your situation.
Your mortgage lender will arrange a mortgage valuation that confirms the property’s worth, but it won’t assess its condition. We recommend arranging your own survey to gain insight into the property’s current state. This can help avoid unpleasant surprises later on.
Your solicitor will conduct searches of the Land Registry and Local Authority to examine the property’s planning history and any potential developments nearby, such as roadworks, drainage, or mining activities.
