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Owning a home in England can seem like a daunting task. Here are few things you should consider when buying a house in England.
Determine the cost of your moves: Legal fees, lender fees, moving expenses and broker fees can add up quickly. Calculate the total cost of the move now to avoid any unexpected expenses later. Feel free to contact us for assistance.
Determine your borrowing capacity: We suggest scheduling a free initial appointment with us to determine how much mortgage you can afford. Our mortgage advisors have access to a wide range of mortgages across the market and can advise you on various options. They can also help you obtain a 'Decision in Principle' (DIP) from a lender, which will give you a better idea of how much you can borrow.
Start searching for a property: Now that you have an idea of your budget, you can begin your search for a house. Don't limit yourself to just one area, consider looking in surrounding towns as well, as it could save you money.
Arrange a viewing: Once you find a property you're interested in, schedule a viewing. Before you go, take a look at our house viewing tips.
Make an offer: With your 'Decision in Principle' and solicitor ready, it's time to make an offer. Remember that negotiations between you and the seller may be necessary, so don't be discouraged if your first offer is not accepted.
Sale is agreed: When both parties' solicitors have provided their details, the sale will be confirmed, subject to contract. You will receive a Memorandum of Sale to confirm this.
Find a solicitor: The legal process of transferring property ownership is known as conveyancing. You will need a solicitor to guide you through this process. We can introduce you to a solicitor and offer a no sale no fee conveyancing service with a guaranteed fixed price (excluding disbursements) to make it easy for you.
Complete your mortgage application: Get in touch with your mortgage adviser to finalize your mortgage deal and complete the application. This is also a good time to consider protecting your mortgage in case of unforeseen circumstances.
Mortgage valuation: Your lender will typically arrange for a mortgage valuation, which confirms the property's value in relation to the amount you are borrowing. It will not provide information on the property's condition.
Get a house survey: To determine the condition of the property, book a house survey. We can advise you on the best survey for the property. Without a survey, you may not be aware of any necessary repairs or renovations.
Begin the conveyancing process: Once your offer is accepted, instruct your solicitor to begin the legal process.
The seller's solicitor drafts contract: The seller's solicitor will receive the title deeds from the seller and create a contract, which will be sent to your solicitor.
Your solicitor confirms the property details: Your solicitor will contact the seller's solicitor to confirm the details of the sale, including boundaries, disputes, and any renovations.
Your solicitor performs searches: Your solicitor will search Land Registry and Local Authority information for any relevant information about planning, roads, drainage, and mining near the property