Buying your new home

You've found “the one” the house that suits all your needs. Now you must take the advice of your estate agent, solicitor and mortgage advisor.

You now need to take action on several fronts and be prepared to organise paperwork and deal with various professionals:

The Solicitor

Your solicitor or a practicing conveyancer will take care of the legal aspects to ensure that you will own your new home with all the correct paperwork in order. You should choose a firm that is reputable, preferably a recommendation by a friend or your local estate agency! On-line facilities are a growing field. We advice a degree of caution before using online conveyance as you will be sent a daunting amount of paperwork in the post with little guidance on how to react to the information provided, this will be the biggest purchase you make, leave nothing to chance! You will need to instruct a conveyancer a few days after your offer is accepted, though you can look into this before you find a house.

The Surveyor

A surveyor should attend the property on your behalf. Your mortgage lender will certainly wish to instruct a valuation report. You need to consider the age and location of the property, as you may be wise to instruct your own independent survey, a “home buyers” report is most common. This will look into possible defects at the house and advise you to receive specialist quotes if necessary. Occasionally the survey results will lead to a re-negotiation on the price.

The Mortgage Lender

You should ensure that you have the right financial product for you circumstances. We work closely with a local independent financial advisor who can search the market place for a great deal for you. You will need access to some key information such as 3 months pay slips and P60. Delays with documentation are a common delaying factor so be prepared.