Before you start viewing, it is vitally important to work out what you can afford. You can speak to your bank/broker or we can put you in touch with our experienced broker who will arrange an agreement in principle. Once this is in place you can start viewing properties and show sellers you are serious about buying.
Register with us
The next step is to register with us. We will sit down with you, discuss your exact requirements and immediately get started with finding you what you want. We will update you a couple of times a week and will not waste your time putting forward properties that do not match your criteria.
We encourage early viewings. We will do all that we can to make sure you see a property within the quickest time frame including accompanying you to the viewing. With longer opening hours, we make sure we are on hand to accompany and support you.
Opening hours: 8.30am-7pm Monday to Friday. 10-5pm on Saturdays.
Instructing a Solicitor
We will do what we can to help and make the purchase process more efficient and stress free. However it is important you instruct an efficient and knowledgeable solicitor. It is good to use a solicitor who is familiar and experienced in the area and if you are not aware of any, we can certainly help having worked closely with partners for a number of years.
Once you have seen a property you like, we will put your offer forward to the seller. We will need to substantiate your offer with a mortgage advisor. On some occasions you may need to show, that you are able to go proceed quickly by showing proof that you have a mortgage agreed in principle. There are no legal obligations on either side until contracts are signed.
Once your offer is agreed we will:
- Prepare a memorandum of sale
- Write to all parties to confirm the agreed price
- Ask you to confirm your solicitor’s and mortgage broker’s details
You will need to:
- Instruct your chosen solicitor as they will need to oversee all the legal aspects of your purchase.
- Contact your mortgage provider and give them the full details of your purchase in order for your loan to proceed.
As part of this process your solicitor will do the following:
- Raise any enquiries once the draft contract is received from the seller’s solicitor.
- Request their own local authority searches.
- Refer to the information already provided in the seller’s Information Pack.
- Agree on a date for exchange of contracts and advise on all matters through to completion.
Whether you go with your own solicitor or one from our list, we will work closely with them to make sure the process is as smooth as possible. We will keep you regular updated at every stage.
Survey and Mortgage Offer
A survey of the property will be booked by a surveyor on behalf of the mortgage lender to evaluate the condition of the property and identify any structural problems. Then the surveyor will advise on the property’s value and also send a report to the mortgage lender and to you as the buyer. Once the report is received by the mortgage lender, they will issue a formal mortgage offer coming to you and your solicitor. You must sign and return it promptly. There are no legal obligations until contracts are signed.
Exchange of Contracts
Once all enquiries have been confirmed and agreed, and a formal mortgage offer received by your solicitor, the contract will be sent to you for signature. Once the contract is signed by both parties the deposit, usually 10% of the purchase price (unless otherwise agreed), is transferred or paid in the form of a banker’s draft from your solicitor to the seller’s solicitor. You cannot exchange without a completion date so this needs to be mutually agreed and then the exchange takes place, it now becomes legal and binding.
Completion occurs once you are told that your solicitor has transferred the remaining balance of the purchase to the seller’s solicitor. We will let you have the keys once the money has cleared in the seller’s account. You are then the proud owner of your new home!