We are here to either help you find your dream home or the ideal investment property!
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Set your budget
Before you begin your property search, it is vital that you work out your budget. If you require a mortgage to help fund your purchase, it is important to consult with either a bank or an independent mortgage broker from the outset in order to confirm your affordability.
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Find the right property
Once you have established your budget, the search for your dream home or ideal investment property can begin. Register with our office directly and we will be sure to keep you updated of any suitable properties that match your criteria.
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Arrange a viewing
As soon as you find a home that interests you, contact our office and one of our team members will be delighted to arrange a suitable appointment for you. We attend all viewings to ensure that any questions you have can be answered there and then, but if they can’t, we will ensure that we get the answers to you as quickly as possible.
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Make an offer
If you would like to buy a property that you have viewed, we will ask you to present your offer to our office with evidence of your finance, whether this be proof of cash or proof of deposit and a mortgage agreement in principle. Upon receipt of the confirmation of your offer and finance, we will present your offer to the seller and negotiate on your behalf.
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Instruct a solicitor
Upon acceptance of your offer, the next step would be for you to instruct a conveyancer to act for you and deal with all the legal paperwork that is required to complete the purchase. We would always recommend using a local conveyancer and would be happy to recommend some to you.
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Arrange a survey
To confirm, the purpose of a mortgage valuation is to satisfy the mortgage lender of the value of the property, however, this will not give you a detailed condition report of the property. We would therefore recommend that you purchase a homebuyers report, in order to obtain a detailed report on the property and its state of repair. We would be happy to recommend local surveyors to you if you wish.
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Mortgage
After the mortgage valuation has been completed, a mortgage offer will be sent to both you and your conveyancer from the lender.
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Exchange of contracts
Once all of the above steps have been completed, you will be required to pay your deposit before exchanging contracts with the seller, which is usually 10% of the purchase price. Once contracts are exchanged, the completion date will be set.
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Completion
Congratulations, on the day of completion, your solicitor will complete the contracts with the seller's solicitor and from this point the sale will be completed and your dream becomes a reality!