Working out what you can afford
Buying a property is a big step involving a substantial long-term financial commitment, so think hard about what you can afford. See our Mortgage Calculator to help get an estimate.
Getting a mortgage
It is vital to secure a mortgage with a lender before starting the searching process. Make sure you know all there is to know in order to choose the right mortgage for you. We can put you in touch a mortgage broker if need be.
Finding the ideal property
Everyone has their own wish list of elements that make up their ideal property. From transport links to the number of bedrooms, we can help you create a comprehensive list.
Viewings can often be over before you know it. So it's essential you know what you're looking for before you arrive and ensure you remember everything after you leave. Viewings Checklist
Negotiating and making an offer
Once you have found the property of your dreams, the next step is to make an offer. It is important to consider a variety of factors when choosing your price level in order to achieve the right deal for you. Take a step back to logically look at all the things that matter before making your offer.
Once you make an offer make it clear that it's subject to contract and a satisfactory survey.
Offer accepted. What next?
Once the seller has accepted your offer, ask them to take it off the market. They don't have to agree to this, but doing so will shut out other potential buyers. Now you need to move fast - the seller will want to see progress so try to avoid any unnecessary delays in getting the surveys and other legal work done. Complete the lender's application form and send them the documents they
The lender will arrange for a valuation to be done on the property. The lender will use the surveyor's Valuation Report and other information you provided to calculate how much it will allow you to borrow by way of mortgage secured on the property.
Don't be overwhelmed by the legal side of things. Below are the main steps from offer to completion
Preparing for moving day
Here are some tips to make moving day as smooth as possible: