1. Take the first step
Speak to a mortgage advisor to establish your budget - A good financial advisor will be able to give you a clear idea of what you can afford as well as the level of deposit you will require. We can arrange for you to meet an independent advisor (someone not tied to any specific lender) who can help you find the best deals on the market and work out how much you can afford to borrow based on earnings. This is a free service and there is no obligation.
Contact our residential sales team
We have a team of highly dedicated and experienced staff across 4 branches who will help you find exactly what you're looking for.
If you need to sell your current house before buying your next house, then speak to one of our branches and begin that side of the process as soon as possible. There has been a lot of fluctuation in house prices in recent years and a fresh valuation on your property is key. You can get a free property valuation from us here.
Another essential part of your team will be a solicitor - You need to find an experienced and reliable solicitor. Ideally, you should instruct a solicitor prior to making an offer so that the conveyance can get underway as soon as your offer is accepted.
We can provide you with a choice of solicitors we have worked with or you may prefer to find one yourself. Whatever you decide, we will help your solicitor to make the process as simple and transparent as possible, and ensure you are kept fully informed all the way through.
Stamp Duty is a government tax you pay when you buy a property in the UK over a certain price, your solicitor will advise you of the stamp duty payable on the house you're buying.
2. Work out what is important to you
Begin to research what would interest you as a buyer based on the important criteria;
- Which areas would you consider buying in?
- What kind of property are you looking for?
- What are the 'must haves' and 'don't wants'?
- How much are you prepared to spend?
- Do you need to sell, and if so, is your property on the market yet?
We can help you narrow down your property search so you don't waste time on unsuitable properties. Every property on our website comes with a description and features section, photo gallery, location map and digital brochure. We know that the more information you have upfront the easier it is to find your perfect home. Every time a house we feel is right for you comes to the market we will contact you to let you know.
3. Making an offer
You've found your dream property and you're ready to put in an offer. We will forward your offer to the seller and let them know of any conditions you might have. At this point you will need to show evidence of your financial situation.
4. Agreeing an offer
Once your offer has been accepted, we will confirm this in writing to you and your solicitor. You will now need to formally apply for your mortgage (if required) and your solicitor will make all the necessary enquiries about the property for you. The solicitors will arrange for the contracts to be signed by both parties and for you to make a deposit (usually 10% of the purchase price). Both parties will now agree a completion date.
5. Final completion and moving in
The completion day by far is the most exciting day of the process. The funds for your property will now be released from your solicitor to the seller's solicitor and you are ready to collect your keys and move in!
