1. Value any existing home
If selling your existing property is part of your moving plans, we can provide a free valuation. This will help you determine your budget. It is also advisable that the sale of your existing property is at an advanced stage when you start searching, as this will put you in a stronger position when making an offer on a new home.
Do you need to sell your existing property? Start with a free valuation.
2. Register with us
Sign-up to our email alerts and you will receive new properties as they appear first on our website. You can also register with our branches by contacting them directly. For branch details go to contact us.
3. Arrange your mortgage
We recommend booking an appointment with one of our in-branch financial advisors. They will be able to advise you on the latest mortgage products, and have access to the whole market for the very best products and mortgage rates. For a prompt mortgage decision, book a FS appointment.
4. Finding the right property
Once you know your budget, please set up your email alerts on our website and the major property portals. If you are registered directly with one of our branches we will contact you as soon as a property is about to come on the market. This can be before general release, so it is worth speaking to the local branch.
Get property alerts to your PC, tablet & phone sign-up today.
5. Organising your legals
Buying a property will involve a number of legal stages, known as ?conveyancing?. You will need a solicitor to act on your behalf and arrange the contracts of purchase.
It is advisable to appoint a legal firm early. Our solicitors come high recommended.
6. Making an offer
Your offer will be put forward by us to the seller verbally and in writing. If accepted, a 'memorandum of sale' will be issued to both parties solicitors. Until the legal contract is exchanged your purchase is not legally binding.
7. Legal process
The legal stages will take around 12 weeks and will include searches, rights of way and any restrictions on the property. Each of our branches has a dedicated Sales Progressor who will coordinate all parties on a sale or purchase and keep you updated at all times. For more information about this stage, please download our helpful guide.
8. Survey & Mortgage
Your mortgage lender will organise for a survey to be carried out at the property you are buying. This is to ensure it is worth the sum they are lending you, as well as to check the structural condition of the property.
9. Exchange of contract
Exchange of contract will take place when your solicitor is satisfied that the legals and finances are in place. The contracts are signed by both parties, exchanged by the solicitors and a completion date is set. In most cases you will also need to pay a deposit. This is perhaps the biggest milestone as the buyer and seller are now legally obligated to proceed.
On the day of completion, the balance of outstanding monies will be transferred from your solicitor to the seller's solicitor. Once the money has cleared in the seller's solicitor's account, they will call and instruct us to release the keys to you - the new owners. In the majority of cases, the move-in date will coincide with the date of completion.
For a FREE valuation or general advice contact your local branch today.