The first thing we recommend doing as a buyer is to ensure you know how much you can spend.
Nothing is worse than having a rough estimate of what you can afford, then going on a few viewings, finding your dream home, having an offer accepted to then not get the mortgage accepted...
So, we recommend before doing anything, talk to a financial advisor or personal bank. At this point, you should be able to obtain a mortgage in principle and this puts you in a strong buying position by showing the sellers that your finances are in place.
The Flatman Partnership work closely with mortgage specialists so why not let them do all the hard work for you? They have access to the whole of the market and can find you the most competitive mortgage deal to suit you. Please contact us to arrange a FREE consultation.
Now you've got a mortgage in principle, you can start the fun part and find a property!
Our experienced staff possess an unrivaled knowledge of the local area and will provide you with expert advice to help you find your ideal home. Once we have a clear understanding of your requirements, we will keep you updated with suitable properties via email and by phone.
Register with us by contacting our office 01753593888 or fill in our contact form, that way we can inform you in advance of properties coming onto the market. We also upload all our properties to the leading portals.
The buying market is always competitive, so we would always encourage an early viewing to secure your dream home. We'll do everything we can to ensure you see a property within the quickest timeframe possible.
If your purchase depends upon the sale of your currently owned property, then now is the time to put your property on the market.
If you would like to get an idea of the current value of your property, you can benefit by having us carry out a detailed inspection of your home to advise you on the current value and best marketing strategy.
If you are already on the market and need to change your estate agent for a fresh approach or if you are considering selling your property in the near future and would like to discuss the services we offer, we would be delighted to hear from you. Please contact us now to arrange a FREE no obligation valuation.
Finding your perfect home can be an exciting time and the next step is to secure the property!
Contact us following the viewing and we'll advise you on how to proceed.
We will then proceed to put your offer forward to our vendor.
Congradulations! Your offer has now been accepted.
We will prepare a memorandum of sale confirming the agreed price and any conditions in writing to all parties involved.
We work closely with a number of highly recommended and esteemed solicitors in the area, who we are happy to recommend provide a quote for your conveyancing.
You will then need to instruct your solicitor to proceed with the conveyancing process and your mortgage broker to proceed with your application.
As part of the conveyancing process, your solicitor will ensure that you legally own the property you are buying and will oversee the transfer of funds from buyer to seller. Your solicitor will also become a key mediator. They will:
Raise any enquiries on receipt of the draft contract from the seller's solicitor.
Request their own local searches.
Advise on all matters through to completion.
Once you have agreed a sale on your dream property and chosen a solicitor, it is vital that you apply for your mortgage as quickly as you can to avoid any needless delays.
If you are obtaining a mortgage, then a survey is likely to be essential, although some lenders opt for a desktop valuation of the property.
A surveyor will visit the home you want to purchase to evaluate the building's condition and price.
The surveyor will file a report that goes to the mortgage lender and to you, the buyer.
Once your mortgage lender has received its copy of the report and they are satisfied with everything, they will issue a formal mortgage offer - a copy will be sent to you and to your solicitor which you will need to sign before it is returned.
We will keep you updated at every step of the way. We will liaise with all the relevant parties involved in the transaction and work towards an anticipated Completion Date, which is agreed mutually by the sellers and buyers and facilitated by the solicitors.
Once all enquiries have been answered and satisfied, and a formal mortgage offer has been received by your solicitor, exchange of contracts can take place.
Once all parties in the chain have signed their contract, your deposit (usually 10% of the purchase price) will be transferred to the seller's solicitor. At this point, a completion date can be agreed, which is the date you will be moving in.
This is the big day when all parties involved in the chain move into their new homes.
Congratulations, we made it!
Your solicitors will transfer your funds into the bank account of the seller's solicitor. Once the funds have been cleared into the seller's account the seller's solicitor will then call us to confirm to release the keys of the property to you.
You are now the legal owner of your new home!
