Purchasing a property guide

Whether you're a first-time buyer or a seasoned investor, navigating the market can be a complex journey. From understanding the market trends to securing the perfect property, we're here to equip you with the knowledge and confidence needed for a successful property purchase.

1. Selling Your Current Home

   If your plans entail selling your current property, it's prudent to advertise it before embarking on your search for a new home. This approach ensures readiness, minimizing the risk of missing out on your dream property.

2. Financially Prepared

   Determine how much you can afford. Prior to commencing your property search, consider arranging your finances and obtaining a mortgage agreement in principle. We recommend several mortgage brokers who can grant access to the mortgage market, coupled with exclusive deals and rates, ensuring the best mortgage solution for you.

3. Solicitor Selection

   A successful purchase hinges on an adept and efficient solicitor. We can recommend solicitors to ensure a seamless transaction.

4. Identifying the Right Property

   With a plethora of new listings weekly, we're dedicated to assisting you in discovering the perfect property. Receive real-time updates through email and text alerts, before properties are listed on platforms like Rightmove and Zoopla.

5. Viewings Made Easy

   Effortlessly book your viewings online or at our office. Throughout the process, we provide comprehensive support, answering questions and offering advice as needed.

6. Making an Offer

   Once you've found your ideal property, making an offer is straightforward - either via email or through your agent. We're here to communicate any special conditions to the seller. At this juncture, demonstrating your readiness may involve sharing your mortgage in principle certificate and solicitor’s contact details.

7. Offer Accepted

   Upon accepting an offer, we initiate the following steps:

   • Prepare a Memorandum of Sale
   • Confirm the agreed price with all parties
   • Confirm your solicitor and mortgage details

   Your solicitor will commence conveyancing, and your mortgage broker will proceed with your application.

8. Conveyancing Process

   During conveyancing, your solicitor will:

   • Address any enquiries upon receiving the draft contract
   • Initiate local searches
   • Agree on an exchange of contracts date

   We liaise with your solicitor, facilitating negotiations and keeping you informed throughout.

9. Survey and Mortgage Offer

   A property survey will be conducted on behalf of the mortgage lender to assess structural integrity and value. Following the mortgage valuation report, a formal mortgage offer will be sent to you and your solicitor for signing.

10. Exchange of Contracts

    Exchange of contracts transpires after all enquiries are resolved. Once signed by both parties, the deposit (typically 10% of the purchase price) is transferred, and the completion date is mutually agreed upon.

11. Completion and Ownership

    Completion involves transferring the remaining monies to the seller's solicitor's account. Upon clearance, we can release the keys to you.