Buying

The first steps to securing your home – How much can you afford?

First things first, let’s work out what you can afford before you start viewing homes. We work very closely with the best team of financial advisors who have full market access to available mortgage and insurance products, ensuring that our buyers are offered the very best advice to suit their specific needs. Ultimately, when you find your dream home, you’ll want to know that you can comfortably afford it and be able to offer in confidence. 

Now let’s find your perfect home…

Be clear about what you want. What are your must-haves? What are your personal preferences? A clear idea of what you want will help to save time and ensure that you’re only viewing relevant properties. Check out our latest properties for sale

To buy or sell first?

We believe it’s best to first focus on the sale of any existing property. This comes back to having your ducks in a row with mortgage arrangements confirmed and an offer for your existing property. In this way, your offer can be seriously considered by a potential vendor.

Making an offer

You’ll need to have an up-to-date mortgage agreement in principle at hand (if you require funding to purchase). If you are a cash buyer or have a deposit, we will request to see copies of this too before negotiating.

We will always be transparent and honest with you during negotiations. Our best advice is to put forward your strongest offer, sometimes making low ball offers can create tensions with the seller. You want your offer and position to be attractive to them, especially if there are other interested parties.

Managing the sales process

So, once you’ve had an offer accepted, you’ll need to submit your full mortgage application and instruct your conveyancer. Your mortgage provider will usually do a mortgage valuation before issuing a formal mortgage offer. Your conveyancer will undertake all searches and ensure that all permissions and guarantees are in place. At this point, we’ll be working hard to ensure that all parties in the chain are doing their bit. We work very closely with the best team of conveyancers to make sure your move goes smoothly.

ANTI-MONEY LAUNDERING REGULATIONS 

We are required by law to conduct Anti-Money Laundering (AML) checks on all parties involved in the sale or purchase of a property. We take the responsibility of this seriously in line with HMRC guidance in ensuring the accuracy and continuous monitoring of these checks. Our partner, Movebutler, will carry out the initial checks on our behalf. They will contact you once your offer has been accepted, to conclude where possible a biometric check with you electronically.

As an applicant, you will be charged a non-refundable fee of £20 (inclusive of VAT) per buyer for these checks. The fee covers data collection, manual checking, and monitoring. You will need to pay this amount directly to Movebutler and complete all Anti-Money Laundering (AML) checks before your offer can be formally accepted. 

Exchanging contracts

The legal due diligence is now done and you’re in a position to exchange contracts and commit to a completion/moving date.

Completion

We will arrange to meet you at the property with the keys, so you can move into your new home.