When looking to buy you will find everything you need at Brian Cox and Company. From mortgage advice to friendly professional staff doing their utmost to ensure that you are united with the property of your dreams. If it’s your first purchase or your moving for the 10th time, we have the experience and knowledge to ensure that your purchase is the least stressful it can be. We keep you updated with all of our properties in any manner that suits, email, post, phone or text whichever you prefer.
Buying A Property
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.
Finding your property
Online search tools have made the process of finding property easier than ever, however you may not be aware that some of the best properties with desirable locations, sell before they are listed on the larger property portals.
Viewing a property
Build up better knowledge of what the property is like to live in by visiting the property at different times of the day taking note of which way the garden faces and the parking arrangements.
Making an offer
So you've found a property you want to buy. The next step is to reach an agreement with the seller on the price. Think about this carefully.
Conveyancing is the process by which the legal transfer of property from one person to another is made. The buyer or their solicitor/conveyancer examines the legal documentation for the property and raises questions in order to approve the contract of the sale.
Arrange a Survey
There are three main types of survey; a Mortgage Valuation, a Homebuyer Report and a Building Survey.
You will receive a Mortgage Offer from your lender in which the final details of the loan you are receiving are given. You and your solicitor should check this thoroughly.
This is when you hand over a deposit usually 10% of the purchase price. Contracts are exchanged once both you and the seller and solicitors are happy that everything is in order, a date for completion is agreed which will be the day you receive keys for the property.
This is the day the final payment is made via the banking system and solicitors you will now get the keys to the property you have bought. For most this is the day they move in to their new home. Probably one of the more pleasant parts of moving home for most.