10 Steps to help you buy property
Determine your budget
Buying a property is likely to be one of the largest transactions you ever make, so it is important that your calculations are correct from the start.
Every buyer works to a budget, whether you're looking at a studio or six bedroom house you'll need a budget to enable you to look at relevant property available in your price range. Take into consideration if appropriate, any cash you plan to use from the sale of your existing property (equity). If you are planning to use the equity held in your existing property we would always recommend getting an accurate up to date valuation from us in order to then proceed to the next step.
It is important to factor the essential services and taxes involved in buying property into your budget calculations. The most common include - stamp duty, conveyancing, searches, land registry and surveys.
Whether you are applying for your first mortgage, re-mortgaging or securing a mortgage for an investment property - speaking to an expert in this field is best, ours will guide you towards the right mortgage for you. Deciding on a mortgage first will give you the confidence and understanding of your budget that you require to put you in a strong position when you do find the property you want ensure you speak to our advisors as soon as possible we can arrange it all for you, just ask any member of staff to arrange an appointment for you