Buying process

Budget

How much can you afford?

If you require a mortgage, then finalise how much deposit you have and calculate the amount you’re able and willing to borrow. Some online calculators, like the Money Saving Expert can provide guidance on affordability. But we recommend discussing with an independent mortgage adviser

Location & Requirements

What is your ideal property?

Which areas would you consider buying in? Figure out what you need or want: Type of property, number of bedrooms, reception's rooms, bathroom, garden, proximity to schools and transport links etc.

Agreement in Principle

Are you a serious buyer?

Before you make an offer, it is advisable to secure an Agreement in Principle (AIP) from your chosen lender. Also known as a Decision in Principle (DIP), it is a written confirmation what your lender may be prepared to lend you. Although not compulsory, it offers you some credibility as a serious buyer with sellers and estate agents.

Instruct a Solicitor

Who will sort out your legal?

An efficient and experienced solicitor (or a conveyancer) can help you make a successful purchase. We advise that you instruct a solicitor prior to making an offer so that legal proceedings can begin as soon as it’s accepted. Again, it adds to your credibility as a serious buyer when arranging viewings or making an offer.

Register with Us

Looking for an unfair advantage?

Register your buying requirements with us and be the first to get the details of new properties coming to the market. We will match your requirements to find you the most suitable properties.

Property Search

Find your perfect property

Research what is available within your budget and requirements. Most property searches start online on property portals like Zoopla, OnTheMarket and Rightmove. We will also keep you updated with new properties before they’re listed online.

Viewings

Have you seen enough?

We will keep you informed of new properties which come on to the market and that match your requirements. Book your viewings with us online, by phone, email or in the office. We will be there during your viewings to answer any queries you may have.

Offer

How much do you want to pay?

Once you find a suitable property, we will advise you about how to proceed. An offer is not just about the money, but also: your buying position, proof of funding, any chain involved, any conditions , proposed timeframes etc. Mortgage AIP and Solicitor details would be very handy at this point.

Offer Accepted

Once your offer is accepted, we will confirm the agreed price and any terms with all parties. At this stage, you will need to:

  • Instruct your solicitor to start the conveyancing progress

  • Instruct your mortgage adviser to proceed with your mortgage application

Sales Progression

We will help progress your purchase by liaising closely with your solicitor and mortgage adviser to ensure that everything is on track.

We will keep you informed every step of the way to make the whole process as smooth as possible for you.

Exchange of Contracts

Once your formal mortgage offer is confirmed and your solicitor has confirmed and agreed all enquiries, exchange of contracts will take place between both parties’ solicitors. At this point, you solicitor will pay your deposit to the seller’s solicitor. A completion date is then set by mutual agreement.

Completion

Finally, when the remaining funds for your purchase will be released by your solicitor to the seller’s solicitor, your purchase is completed. The seller’s solicitor will then instruct us to release the keys to you.

Congratulations on your successful purchase!