Moving to a new home is incredibly exciting. However, it can sometimes seem a little daunting. Here's a breakdown of the house buying process to help.

Check how much you can afford to spend

Your mortgage adviser is here to help with the first steps, looking at your income and outgoings along with the amount of deposit to find out how much you can afford.

Choose your mortgage

Based on an assessment of your financial situation, we'll have a look at the various mortgage options available for you.

Get a mortgage Decision in Principle

A mortgage Decision in Principle serves as proof to sellers that you can afford what you offer them.

Think about where you want to live

Think about house prices in the area and the area itself. What can you afford here? Could you see yourself living here?

Choose your property

Once you know where you'd like to live, start researching local properties. Know the market well!

Found your perfect home? The next stage is buying it!

Don't be afraid to offer below the asking price - estate agents are legally obliged to present all offers to the seller.

Offer accepted? Now finalise your mortgage!

As a broker we liaise with your lender to arrange a valuation on the property to make sure it's worth what you're paying. Once they're happy, a mortgage offer will be issued.

The legal side

We can help you find a solicitor or conveyancer, and then work with them to start the formal proceedings that are required to enable the legal transfer of the property.

Surveying your prospective property

You might like to get a more detailed survey carried out on the property. If a potential problem emerges in your survey, you could employ a tradesman or builder to quote how much it will cost to fix it. You may wish to use this information to lower your offer.

Exchanging contracts

When the contracts are completed, your solicitor or conveyancer will exchange contracts with theirs and the two sides will agree on a date to complete the sale.

Completion

Your solicitor will total up a completion statement. This details everything you need to pay, as well as remaining fees and stamp duty costs. After you've signed the transfer deed for the property and your conveyancer has sent over the money owed, congratulations are in order - you've officially completed your purchase!

Get in touch with our friendly and knowledgeable team for more information.