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Buying a house

Many of these activities take place at the same time but this should give you a rough idea of what happens.

  1. We get the Contract from the seller’s solicitor and make sure it matches what you have told us.
  2. We obtain and report to you on various searches. These tell us a range of things such as: whether there are any public works that will affect the property; whether there are any proposals to build a new road; whether there are any planning restrictions; whether the property connects into the public sewers; or whether the property could be built on contaminated land. They do however only relate to the house you are buying and not to the neighbouring property.
  3. We recommend that, in most cases, you obtain a surveyors report as many lenders are only concerned with the value of the property. A slightly more detailed report might prevent you from finding out once you have moved in that the house you bought has problems.
  4. If you are to have a mortgage we need to have the offer before we proceed. This is important as you need to ensure that you can borrow enough money to buy the property.
  5. We will ask you to sign numerous papers including the contract and mortgage deed and will ask you to send the deposit money which is normally up to 10% of the purchase price.
  6. Exchange of contracts is that moment when you are committed to buy the house. It is important before we exchange that you are happy to go ahead and that any concerns you might have have been discussed with us.
  7. We then ask your lender, if you have one, for the funds to buy your home and you for any balance.
  8. Completion day is when the house becomes yours so it is an exciting time and almost the end of our involvement.
  9. As you have just bought a house you should now think about protecting it by making a Will.
  10. We now finish the transaction by paying Stamp Duty (if that is required) and registering you as owner of the property at the Land Registry.
  11. Once the property has been registered at the Land Registry we will send you a copy of the Title Information Document showing you as the new owner.

Click Here if you have any queries about your Purchase