Boats on seaford beach
When you start looking for your dream home it is a good idea to register with all local estate agents this way you can get to know what is coming onto the market.
We will often call you before they go on the online portals to give you that head start!
Before you begin your search we would advise you to visit a mortgage adviser so you know what your budget is. Before we put your offer forward we have to check your financial situation. If you have a mortgage in principal agreed, it makes you look a better buyer than someone that doesn’t.
If you need a little bit of help, please ask us to arrange a meeting with our independent mortgage advisor Tom Webster.
“As an independent broker I have access to the whole of market when searching for the perfect mortgage for my clients. With over 10 years’ experience in financial services, I understand that everyone’s financial situations, personal histories and life goals are unique which is reflected in the specialist advice I give.”
Once you have found the property that ticks all the boxes you then put in your offer! We will guide you through this and advise you. This is where it gets exciting….
Once you have agreed a sale you then need to instruct a solicitor. They undertake the legal work needed to complete on your new home.
This is known as conveyancing. Again, we have solicitors we can recommend and have a good working relationship with.
We will check the chain and will be constantly reviewing everyone’s progression.
This very important to notice any problems and resolve them early on.
Your mortgage lender will conduct a valuation/survey to make sure the property is worth what you are paying.
When satisfied, they will issue you a formal ‘Mortgage Offer’.
Exchanging contracts is the moment when the sale becomes legally binding on both sides.
You can only exchange once you have paid a cleared deposit to your solicitor’s Client Account.
We will update you once you have exchanged. (Nearly there!)
The balance of the sale price is paid. You can now collect your keys from our office plus collect a bottle of bubbly on us to celebrate your new home!