This is the Buying Guide
3. What can you afford?
Having a mortgage agreed in principle before placing an offer will give you a competitive advantage, save time and reduce potential roadblocks.
We work with a select panel of mortgage brokers that have access to the entire market and exclusive deals and rates. Let the experts help you.
5. Prepare your solicitor
Your solicitor will play a pivotal role in the smoothness of your purchase. Remember, cheap does not usually mean good quality.
We have a set of solicitor firms that have earned their position onto our panel, we would only recommend them if we would use them ourselves.
6. Submit an offer
Price is only part of the consideration for a seller. If your current property is under offer, your mortgage is agreed in principle, and your solicitors instructed, you stand a higher chance of being accepted by the seller.
Submit an offer through your dedicated consultant, and let them guide you through to successfully agreeing a price.
7. Offer accepted
An exciting moment and time to ensure everything is set up to progress smoothly. We will ask you instruct solicitors and proceed with your mortgage application.
The Memorandum of Sale will be sent to all parties with heads of terms. Our role from here on in is to liaise between buyer, seller, solicitors and mortgage brokers helping things move along to a successful completion.
8. Survey and Mortgage offer accepted
Your mortgage lender will complete a survey to check the property value and identify any structural problems.
After the survey has been successfully completed you, and your solicitor, will receive your mortgage offer.
9. Exchange of contracts
All enquiries have been satisfied and you have recievied your mortgage offer. Your solicitor will ask you to sign contracts and transfer 10% of the purchase price as the deposit.
The completion date is then set.
The remaining 90% of the purchase price is paid to the seller, and your solicitor will confirm completion has taken place.
You can now enjoy your new property. Congratulations!