Buying a house can be a stressful but exciting time.
Follow these rules and we promise that your chances of a stress-free purchase will be increased
There are so many people involved; so be prepared to be patient. The mortgage process and legal conveyancing process are taking longer than ever. Indeed, the average time to completion from having an offer accepted is around 14 weeks.
Sellers and agents lose confidence in buyers who don’t keep in touch.
So when you are asked to provide some information, it is as well that you are fully prepared. We are here to help, so if there is anything you are unsure of, please feel free to ask.
Then just ask, that’s why we are here. We can put you in touch with mortgage brokers, removals companies, and solicitors, all of which have committed to providing our clients with a premium service
Source your mortgage (get an official agreement in principle), and decide how much you can afford.
Deposit & Fees
Ensure you have the right deposit, and money saved for essential fees such as surveys, searches, and solicitors fees.
The Good Bit
Find the place you Belong.
Make a sensible offer based on your circumstances.
Get your offer to acceptance, compromise is often required.
Apply For Your Mortgage
Make sure you apply for your mortgage promptly; it can take a while for your application to be approved formally. Need help, just ask.
Pay For Your Survey
Decide which survey you might want. They range from a simple valuation to a detailed building survey costing much more.
Appoint Your Solicitor
If you need one we can help.
Search Fees & Mortgage Offer
Many solicitors will not ask you for money for your searches until they have received a mortgage offer from your bank or building society – this can cause a delay.
Solicitors ask the local authority to comment on planning and building regulations, amongst other things. This can take up to three weeks.
The sellers solicitor provides a contract for the buyers solicitor, from which they raise enquiries on the buyers behalf.
Once the solicitor has your searches, your mortgage offer, and any pre-contract enquiry answers, they will invite you to sign your contract and pay your deposit monies.
Exchange Of Contracts
The Tricky Bit
Buyers and Sellers the length of the property chain all have to agree on moving dates, and before that, exchange dates.
For this to happen all of the “nearly there’s” have to be in place for everyone in the chain, this is where agents and solicitors really earn their fees; it’s the stressful part.
Often a week after exchange of contracts, sometimes the same day if last minute details need tying up. You may need a removal firm – we can help.
It’s all yours. Your forever house; the place you
Happiness is knowing where you belong. We help you find that place.
There is no greater feeling than waking up and feeling that you’re in the place you truly belong.
The place you belong is the place you turn when you’re all out of places. Turn to us. We are Belong.
Selling fewer houses - because you didn’t care how many homes I sell, just that I sell yours.
Belonging is not about being tied down. You belong somewhere you feel free.