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Buying Guide

Buying a home is a complicated and sometimes exhaustive exercise. Remember, for many it is the single most important and expensive purchase you will ever make. It is important that you get it right, because changing homes is expensive and time consuming.

Property Search

The process starts with the search. Today this is made easier with the use of the internet, where the majority of properties for sale are advertised. However, nothing is straightforward and having made a decision about the area you want to buy in LOCAL KNOWLEDGE is the key. It is well worth talking to people who do know an area intimately; this knowledge will make scrolling through the hundreds of properties advertised on the internet that much quicker. There are roads and streets that you may want to avoid completely, others that you really want to concentrate on. It is also a great idea to get familiar with floor plans – they tell you so much more than the ‘lovely’ photographs.

Viewing of suitable properties

Of course, viewing various properties is essential and it makes sense to set aside some time. Concentrated viewing periods are a good idea as one can easily compare one with another whilst still fresh in the mind. However, make sure you know what it is you are going to look – it is endlessly frustrating to be ‘forced’ into viewing properties that are completely irrelevant and often a complete waste of your valuable time. When looking at a property do remember that just because there is a nice smell of freshly baked bread and some pretty furnishings does not mean this is the ‘right one.

Offer Accepted on your property

Once an offer is accepted you and the vendor will be sent a Memorandum of Sale by the selling agent which gives details about the property, how much it is being sold for and who the various solicitors are. This document will also be sent to the two solicitors involved who will communicate with each other and get the process moving.

Surveys and Valuations

Your mortgage lender will arrange for a valuation of the property and very probably a survey as well. The selling agent will provide access to the property and will also assist the valuer in establishing that the price agreed is relevant by providing him with recent comparable sales information. Unless you are paying well over the odds there should not be any great problem with the valuation. Surveys of course are different. They can show up problems with a property which may be of concern to a mortgage lender and any such issues may need to be addressed by all parties.

Exchange date set

Once all queries have been settled, mortgage finance has been agreed the solicitors will set a date for exchange of contracts. At this stage you as the buyer will be required to put down 10% of the purchase price. At this time also a completion date will be agreed which is the date you will pay the rest of the money and the seller will hand over the property to you. It is quite normal for there to be a gap between exchange and completion, often as much as a month.

COMPLETION OF THE PURCHASE OF YOUR NEW HOME – Time to get the paint brushes out!

Lanigan Estates Ltd have managed the property we have been living in over 4 years. They are thoroughly professional and responsive in all their dealings relating to the property. I highly recommend them.
James, Current Tenant