Before searching for your property decide on your price bracket. This will depend on your income and the value of your current property.
Don't fear if you are a first time buyer. This can be an advantage due to you not being subject to sale, therefore possibly making you more appealing to vendors. To ascertain how much you can afford for your potential property we recommend that you acquire some expert financial advice. Our in-house Independent Financial Advice centre can provide this.
Getting a valuation of your property can be a good idea if you are interested in moving home. It will determine how much your current property is worth and along with a financial quote can give you an idea of which price bracket your potential home will be in.
Ascertain the type of property you are looking for in order to narrow down your search. Generally detached houses will be the most expensive followed by semi-detached, town houses, apartments and terraced property.
A new development property can be customised to suit your needs. This may be in the form of altering the internal layout or including a garage or sunroom for example. All of our developments are NHBC or Zurich registered, providing 10-year guarantees.
Another option is to buy a site and build your dwelling on it. This means that you can construct the property to your own specification and tastes meaning you can be assured of your dream home. This is especially popular in more out of town rural locations. Expense is usually high though due to the price of the land as well as building costs. Getting building quotes before your purchase of a site is highly recommended. Planning permission should also be taken into account as well as its drainage, soil type etc.
It can be of benefit if you make a list of "must haves" before setting out to find your perfect property considering things such as location, size and house type etc.
What you should do when viewing a property your interested in?
When you see a property that you like, make an appointment to view immediately. You will be at an advantage if you are the first to see the place. It can be a good idea to make notes as you go around in your viewing of a property's good points, bad points and layout.
Remember to pay particular attention to the exterior of the property especially the roof, brickwork and window frames.
Remember it's the property you are buying not the current owners lifestyle those minimalist sofas will almost certainly not be included in the sale.
A second viewing of a property that you are interested in is always a good idea. Bringing a friend or if the first viewing wasn't during daylight ensure your second is this can give you a chance to view the external aspects of the property.
Keep in mind that offers are always subject to survey and contract, so don't panic if you suddenly find the bathroom wall is falling down. We recommend a survey to be carried out on the property you are buying, especially if it is over 5 years old. This gives you a specific idea of what work [usually structural] needs to be carried out on the property. A quote can then be determined for any work, which is required.
Keeping ahead of the game
Instructing a solicitor and getting your finances in place early can greatly help speed up the process and avoid unnecessary complications or delays. Keeping up to date with the conveyencing process can be a good idea, meaning if any problems, which arise, can be responded to quickly and efficiently.
It is vital that you instruct a solicitor to act on your behalf for the conveyencing of your selected home.