Here at HPS we understand how confusing and stressful buying a property can be, whether you are a first time buyer or an experienced investor the process can still be confusing and unfamiliar.
You also need to discuss funding your purchase, whether you are looking to purchase using cash, mortgage or the proceeds from the sale of a property you need to assess your financial situation and decide a budget for your next move. There are specialists in this industry, to help you discuss your options and choose what is best for you - do not be afraid to seek further advice.
If you are a mortgage purchaser and would like further advise we have an independent mortgage advisor you can speak to, give our office a call today on 01964 533 343 and ask to be referred to our mortgage advisor. For more information please visit our 'Mortgages' page.
Take your first step in your search for your dream home today, click here to view our available properties!
Why not register with our office, we will then save you time in your property search. Complete our online registration form here and we will contact you directly to let you know when a property that matches your criteria becomes available!
If you would prefer to speak to a member of our friendly team give our office a call on 01964 533 343, we look forward to hearing from you.
When you find a property that catches your eye, we recommend arranging a viewing appointment as soon as possible to avoid disappointment. The last thing we would want to happen is for you to find your dream home but, to miss out because someone else beat you to it.
We recommend that you consider any questions you may have prior to the appointment and write them down; we aim for one of our friendly team to accompany all viewings wherever possible. We are there to help you and we will endeavour to answer any of your questions. If we cannot answer your questions there and then we will find out for you.
Another thing to consider is taking a camera or a smart phone to the appointment with you, it is becoming ever more popular for viewers to take additional photographs at the appointment (with the owner’s consent) to refer back to or to show extended family.
5. Finding a Solicitor
All offers submitted will be financially verified and full identification and money laundering checks will be completed as a matter of course. You will be required to provide proof of funding, whether that be proof of cash funding, an 'Agreement in Principle' or confirmation of chain details from you agent on your property sale. Providing proof of funding will best help the owner of the property understand your position and ability to proceed forward with the purchase and the offer is more likely to be acceptable.
The role of your solicitor is to ensure the conveyancing processes runs smoothly; they will handle the transfer of the property from the current owner to yourself. This is a key part of the processes and can be the most confusing and stressful part of the transaction. There are a number of legal procedures to follow and documents to complete however, with a dedicated conveyancer on your side you have nothing to fear.
Your solicitor will raise any enquiries you may have or that may prove necessary following the receipt of the draft contract from the vendor's solicitor, they will carry out local searches on your behalf and agree dates for exchange and completion.
Both your solicitor and the estate agent involve will relay vital information between all parties involved throughout the conveyancing process
7. Arranging a Survey
We strongly recommend that anyone looking to purchase a property has a survey conducted, after all this is most likely going to be the biggest purchase of your lifetime - this is an extra step that you can take to protect your investment.
There are three types of surveys available -
We completely understand that a survey report can be complicated, it is often a lengthy document full of unfamiliar terminology. This is not a problem, give our team a call or visit our office and we can go through the report with you and help you raise any concerns you may have with the owner of the property or your solicitor.
This is the day we have been waiting for, completion day is the final day of the transaction and you will become the proud owner of your new home!
Dependent on the circumstances around your purchase, completion usually happens around midday. You will receive confirmation from your solicitor and your estate agent that the purchase has been completed and that the keys will be released. Where possible will always make arrangements for the transfer of keys in advance of the completion day to help the day go smoothly. Often the keys are either collected from our office or personally delivered by one of our team.