Buying Guide

1) Address Your Finances!

Before you start browsing properties, determine your exact budget. Speak with a mortgage adviser to discuss your borrowing capacity. If you don’t already have a Mortgage Advisor, contact our sales team and we can point you in the right direction. Also, remember to include money for renovations, removals, and stamp duty within your budget.

Your Mortgage Advisor can provide a Decision In Principle certificate. We will ask to see this document when you make an offer. You must also show proof of your deposit, such as savings or gifted funds. Are you funding the deposit through another property sale? Show us proof of your outstanding mortgage. We will check the chain with your estate agent and calculate your equity. This allows us to provide solid proof to our vendor.

2) Get Yourself Registered and Property Search Ready!

Once your Mortgage Advisor qualifies you, visit our office or call us on 01582 211424. You can then register your details with our friendly team. We need to know your budget, property type, and all your specific buyer requirements.

Visiting our office is the best way to start your property search. It allows us to build a relationship and understand your exact needs. Our friendly team is always on hand. We will contact you the moment a suitable property hits the market. Our team will send the details and instantly book your viewing.

3) Find a Solicitor!

Securing a solicitor early shows potential sellers you mean business. It also saves significant time later in this buying guide process. Solicitors handle the ‘conveyancing’ process. This includes all the legal work happening behind the scenes during a purchase. Good solicitors make a massive difference in your purchase. Speak to us today so we can arrange a reliable quote for you.

4) Making an Offer!

Found your perfect property? Speak with our team to discuss the figures our vendor might accept. You can then offer a figure you feel completely comfortable with. We will present your offer and timescales to the vendor. At this stage, we must also verify your purchase funds. Since you already arranged your finances, we can present your offer in the best possible light.

-> Negotiating and the Memorandum of Sale
After verifying your funds, we will negotiate the offer between you and the seller. Once agreed, we issue a ‘Memorandum of Sale’ to you, the seller, and both solicitors. This forms the basis of your Draft Contract. We also forward the property brochure, full Energy Performance Certificate (EPC), and a list of included fixtures to the legal teams.

-> Securing the Deal Smoothly
We work on behalf of the seller to maximize their property value. However, we provide honest advice to ensure a smooth sale. Both buyers and sellers must be completely happy with the final agreement.

In England and Wales, offers are not legally binding until both parties officially exchange contracts. This milestone often occurs several weeks later. Keep this in mind, as either party can still withdraw from the deal. You may still be liable for your solicitor’s costs up to that point. Our team works hard to keep both parties secure, ensuring the property reaches the exchange stage smoothly..

5) The Survey Process!