Buying Guide

1

Budgeting and getting the right mortgage

Before you start looking at property you need to know how much you can spend on a property. If you are not buying for 100% cash then you will require a mortgage to buy your property. Mortgages are loans offered by banks and building societies, which can take many years to repay. The repayment term is normally determined by the size of the mortgage and what you can afford to repay each month.

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2

Identifying location and requirements

Choosing your next home usually involves finding a balance between what you want, what you can afford, and what is available.

There are many reasons for buying a property and every individual’s requirements vary, but most buyers’ decisions will be influenced to some degree by budget, location and size. Some buyers may also have a preference for a particular type of home.

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3

Instructing a property solicitor

There are a number of legal documents and procedures that must be completed when buying a property. For the transaction to move as quickly as possible, you will need a reliable property solicitor or conveyancer to take care of the legal and administrative details.

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4

Searching for and shortlisting properties

There are many ways in which you can search and shortlist properties that meet your criteria, including looking online, in high street estate agents’ windows and in local newspapers.

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5

Optimising viewings

When viewing a property, explore the local area first taking plenty of photos and notes. The most important factors are whether or not you like the property and whether it meets your needs, but there are a number of other factors to be considered which can be easily overlooked.

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6

Negotiating and making an offer

There are many elements to consider when negotiating and making an offer on a property.

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7

Agreeing the sale, exchanging and completing contracts

Once your offer has been accepted, the final paperwork will be prepared ready for exchange and completion.

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8

Preparing for moving day

The day you move house is likely to be a busy one, but you can make the process less stressful with good preparation. If you have grown attached to your home over many years, the move can also be quite emotional, but following our advice will help you plan and manage the day.

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9

Possible problems and pitfalls

As there are a number of different parties involved in the buying process, planning ahead and preparing for any challenges will keep the process running smoothly.

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