The Buying Process

1

Initial consultation

This is the most important step for both yourself and for us in our pursuit of best serving your interests. At this stage we will discuss your requirement in detail, any financing or structuring needs, timeframes, whether you prefer ready properties or those under construction (off-plan) and anything else that is appropriate at this stage. For investors a presentation would follow.

2

Understanding your financial capabilities

Before you start looking at properties, you need to know how much you can spend. Unless you are a cash buyer, it is likely a mortgage will be required to purchase your property. We always propose taking the time to speak with a professional mortgage broker at your earliest convenience, they can advise you on a range of products currently in the mortgage market. They will also work out what the maximum borrowings available to you are. 

3

Identifying suitable properties

If it is a home purchase then price, location and size are likely to be at the forefront of your thoughts. If purely for investment, then rental demand, timeframes and the overall deal will likely be your main consideration. We will ensure that we only present the most suitable options based upon your requirement from both current availability and any future opportunities that arise.

4

Viewings

We accommodate onsite and virtual viewings for completed properties and onsite visits and detailed presentations for off plan options. We will be with you every step of the way, making sure everything is organised and fits in with your schedule so that you can focus your time on choosing the right property that works for you.

5

Making an offer

Once you have decided on a property and have your financials in order, it’s time to negotiate. We will help you secure the best possible price using our experience and knowledge of the market. You will at this stage need to inform your mortgage broker to proceed with the application if finance is required.

6

Appoint a solicitor

There are legal documents and procedures that must be completed when buying a property. If required by yourself, we have a panel of very experienced professionals that we can recommend for the transaction to move as quickly as possible and to take care of the legal and administrative detail.

7

Exchange of contracts

Once your instructed solicitor has conducted their due diligence and carried out the necessary searches, they will report to you and prepare contracts for signing. This is usually within 28 days of reservation at which point you will be required to pay a deposit, typically 10% of the property price. If the property is complete, then completion will follow at an agreed date. If off-plan, the developer will set an expected date and when your unit is built and ready for occupation, they will serve notice to start the completion process.

8

Completion

On the agreed date, the remainder of your payment for the property is transferred to the seller’s solicitor. Once the payment has been received and property deed transferred, you will be given the keys and the property is officially yours. For new-build properties, a snagging appointment and home demo will be scheduled with the developer and for our BTL investors, we can arrange for your furniture pack to be ready and installed upon handover.

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