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Buying Process

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1Arranging your finances

Before beginning your property search, we recommend that you arrange your finances and have your mortgage agreed in principle. If you would like independent advice on your best options, please speak to one of our staff as we can recommend some superb independent financial advisors who can help you obtain the best possible solution for your needs.

2Register your property requirements

We’ve made getting in touch as easy as possible for you. You can register online on our website, call us directly, drop us an email or pop into our office for a chat with our friendly and helpful team.

3Starting the search

Once we’ve fully discussed and understand your requirements, we can start searching for your ideal new home. We will notify you as soon as we find properties matching your criteria and make sure you are informed of all new listings as soon as they become available.

4Accompanied viewings

By accompanying you on viewings, we can offer instant information and advice on properties, to help you make informed choices. We promise to answer your questions honestly and pass on further questions or feedback to vendors.

5Making an offer

Once you have found your ideal new home, we ensure that your offer is passed on to the vendor swiftly and without bias. At this stage, you may be required to provide evidence that you are able to proceed with the purchase before the vendor accepts your offer.

6Instructing a Conveyancing/Legal Professional

In order for your offer to be agreed in principal and your purchase to commence, you will need to instruct a legal representative to act on your behalf. We can recommend some experienced and trusted local conveyancing solicitors who can help you with your purchase.

7Your offer has been accepted

Once the vendor has accepted your offer, we will ask you to confirm with us your legal representative and mortgage details so we can prepare a memorandum of sale to confirm the agreed sale price with all parties. Once this has been done, it’s then time to instruct your mortgage lender or broker to proceed with your application.

8What will your legal/conveyancing representative do?

Your representative is there to protect your interests and will request local and other searches and will also ensure your mortgage lender is protected. He or she will also liaise with the vendor’s solicitor and raise any issues in the draft contract to ensure the final document is correct. They will also agree a date for exchange of contracts. Until contracts are signed and exchanged, you and the vendor are under no obligation to proceed.

9Your mortgage offer

If you are purchasing your property with the help of a mortgage, your lender will appoint a surveyor to value the property and advise them. If your lender is happy with the surveyor’s report, a formal mortgage offer will be sent to you and your legal representative for you to sign and return.

10Exchange

Once your mortgage offer is agreed and confirmed, you are then able to exchange contracts. On exchange of contracts, your deposit which is normally 10% of the purchase price is paid to the vendor’s legal representative and completion date is agreed.

11Completion – Moving Day

On moving day, before you can move into your new home, the remaining 90% of the purchase price must be paid and confirmation that the funds have cleared must be obtained by the vendor’s legal representative. There will be some additional paperwork that your conveyancer will need to complete and you will have some further documents to sign before we hand over your new keys.