Step by Step Guide
Easy Guide to Buying
Looking for a new home can be a daunting prospect as it’s one of the biggest investments most people ever make. The first and most important thing to do is to set yourself a budget. If you need a mortgage, contact a mortgage advisor to discuss how much you can borrow (this is the boring bit). Once you have decided a budget, write a list of the things you definitely want from your new home - (number of bedrooms etc) and a list of the things that you’re willing to compromise about.
Register with Us
Some people say that they know if a property is the right one as soon as they walk through the front door. Some say they never know because they’re so indecisive. The good news is that everyone finds somewhere eventually. To increase your chances of finding your new home just register with HouseSimple.com to get email updates as new properties become available. Simply click here to register now and fill in our online registration form or call us on 0330 111 0700.
The Fun Bit
Our high-quality photos, detailed floorplans and honest descriptions will give you a very good idea of what a property is like. Once you have found a property that catches your eye and you decide you’d like to go and see it, just call or email us and we’ll arrange a viewing date and time that is good for you and good for the owner. We’ll give you a call to check everything went well and to hear your thoughts about the property you viewed.
Once you have seen a home that ticks the right boxes simply contact us (if you found it via HouseSimple.com) to make an offer. We’ll go through some details with you (if you’re in a chain, information regarding your mortgage etc) and put your offer to the owner straight away.
The Next Step
Once your offer is accepted, we’ll need your solicitor’s details so we can contact them confirming the offer and ask them to do their legal thing. At this point it’s wise to contact your independent mortgage broker and decide on a mortgage deal. They will then start the application process on your behalf.
A draft contract will be drawn up by the seller’s solicitor. Meanwhile, your solicitor will make some investigations into the title deeds and into the area you are buying in to make sure everything is ok.
Your mortgage company will appoint a surveyor to check the condition of the property and ensure that it’s worth the price you have offered (this is known as a valuation survey). On top of the valuation survey it’s wise to have a homebuyer’s survey done as well. For affordable, professional surveys please contact us right away. You are advised to try to find out any potential problems up front before the contract has been signed.
When your solicitor is satisfied that all the paperwork has been done you should be ready to hand over your deposit and exchange contracts. At the same time as exchanging contracts a date for completion is usually decided. At completion the balance is paid and the keys are handed over. You can then put your feet up for a few moments of celebration – before the hard work of moving starts!!