Buying Process

1Arranging your mortgage

Before you begin your property search, it is advisable to arrange your finances and, if required, have a mortgage agreed in principle. This will confirm how much money you will have to fund the purchase, which will ultimately influence your property search.

2Register your interest

The first step to finding the right property is to register with us either by calling us on 02087418485 or visit our office where you can discuss your property requirements. You can also register your interest about a specific property online if you are short of time.

3Finding the right property

Once we have a clear understanding of your requirements you will receive a selection of properties that match your criteria. We can also keep you constantly up-to-date via email and SMS alerts when the latest properties become available.

4The key to successful viewings

We’re open at times to suit you, by appointment for after work and at weekends. In order to secure a property we recommend an early viewing. We will chauffeur you to your viewings ensuring you arrive in a relaxed frame of mind and accompany you throughout so that we are on hand to answer any questions immediately and advise where necessary.

5Instructing a solicitor

The successful purchase of a property can be reliant on the instruction of an efficient and experienced solicitor. It is a good idea to use a solicitor who knows the area that you’re moving to and specialises in conveyancing. We have a selection of tried and tested solicitors that are experts in property who we would be happy to recommend.

6Making an offer

Once you have identified a suitable property we will put your offer forward to the seller both verbally and in writing stating any special conditions of the offer. You may need to demonstrate, if requested, that you are able to proceed (e.g. provide evidence of your mortgage agreed in principle). There are no legal obligations on either side until contracts are signed.

7Offer agreed

Once your offer is accepted we will do the following:

  • 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
  • Instruct your solicitor to proceed with the conveyancing process and your mortgage broker to proceed with your application.

8Conveyancing

As part of the conveyancing process your solicitor will do the following:

  • Raise any enquiries on receipt of the draft contract from the seller’s solicitor
  • Request their own local searches
  • Refer to the information already provided in the seller’s information pack
  • Agree on a date for exchange of contracts

We will assist your solicitor and negotiate throughout the process, keeping you informed every step of the way.

9Survey and mortgage offer

A survey of the property will be booked by a surveyor on behalf of the mortgage lender to identify any structural problems and advise on the property’s value. After the mortgage valuation report is received, a formal mortgage offer will be sent to you and your solicitor which you will need to sign before it is returned. You are still under no legal obligations until contracts are signed.

10Exchange contracts

Exchange of contracts occurs when all enquiries have been confirmed and agreed. Once the contract has been signed by both parties the deposit (usually 10% of the purchase price) will be telegraphically transferred or paid in the form of a banker’s draft from your solicitor to the sellers’ solicitor. The completion date is then set by mutual agreement.

11Completion

Completion is when the residual monies (usually 90%) are transferred from your solicitor to the seller’s solicitor’s account. We will release the keys once the money has cleared in the seller’s account. Congratulations, you are now the legal owner of your new home!

Personal service

We’re not like the large corporate estate agent machines. As an independent, every customer is highly important. We build an understanding of who you are, the journey you’re on, and how we can help. You’re not another property to us - you’re a person first, second and last.

Property Valuations

The valuation of your property can make or break the marketing strategy. And you definitely want make, and not break. We have the experience to advise you on price and where your property sits in the housing market. We’ve done this hundreds of times before – lean on our expertise and honesty.

Customer Focused

You’re at the centre of everything we do. You wouldn’t want it any other way, would you? Check out our Google reviews and you’ll see how happy past customers have been. Our wonderful clients are our best advertising – they continuously recommend us to family and friends.

Experienced & Qualified

We are members of Safe Agent and the Property Ombudsman redress scheme, so you can rest assured that you are dealing with a qualified and regulated agency. That means you get the 5 start service that you deserve. Our team know the local market like the back of their hands.

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