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Brock Taylor Buying Guide

We believe that buying a home should be as straightforward and stress-free as possible and have created an overview of how the process typically works. Although buying a property can be completely in a matter of days or weeks, on average we are finding that it is taking between 12 and 16 weeks to complete on a purchase. Please take a look at the key stages below to help you understand the process that you will go through when buying a property. Once you are familiar with this process, why not have a look at our properties for sale?

Buying Guide

1. Save your deposit

Most mortgage lenders require at least 10% of the value of the property to be put down to secure your loan. This figure is just a guide however, and terms may differ between lenders.

2. Secure a mortgage

Before you begin looking for a property you will need to clarify exactly what type of mortgage you can get, and for what amount. Factors influencing your mortgage offer may include your age, employment status and earnings. Our in-house whole of market mortgage advisor will be able to advise you on all of the options available to you. If yo would like to book in a time to meet with him, please either call us on 01403 272022 or fill in our contact form.

3. Find a property

Once you know what size deposit you have and either the size of the mortgage, or how much cash you have available, you are then in a position to start looking for a property. You can search our current register of available properties, through this website, although we would recommend that you register with us, so that we can update you with new properties as soon as they come to the market. We also have a service for local residents’ who own a property that they need to sell in order to buy a new home, where we can offer their home on a low-key basis, rather than full market exposure, to put you in a position to move as soon as a new property comes to the market.

4. Make an offer

When you have found a property, you like and are in a position to make an offer, we will negotiate with the seller on your behalf. All offers are confirmed to the seller both verbally and in writing.

5. Confirm a conveyancing solicitor

If your offer is accepted, you will need to instruct a solicitor to handle the conveyancing process for you. We can recommend a qualified professional who can offer a competitive fee if you would like our help with this.

6. Exchange contracts and complete your purchase

Your solicitor will handle the legal side of the property purchase for you. Once the legal process is complete, and you have your mortgage offer (or cash) in place, they will arrange for you to sign a legally binding contract and agree a date to complete your purchase. Once the funds are transferred on completion day, you will be given the keys to your new home! Although the sales process can, in theory, be concluded in a day, it normally takes between 12 and 16 weeks.