Buying a home for the first time can be a daunting experience. It is our job to take the worry off your shoulders and walk you through the process of home buying for the first time.
If possible we suggest that first time buyers take the opportunity to meet with us to chat through the whole process of home buying from arranging your mortgage, negotiating the price with the estate agents, submitting an offer, concluding the deal and getting the keys. We don’t charge any fee for that initial advice and we usually find that a meeting with one of our conveyancing team will give you lots of helpful and practical information before you head out to look for the property that best suits your needs. If you can’t manage in to our office then we can offer a home visit in the evenings at no cost to you or we can communicate by phone or by email to give you all the information you require to get you started on the property ladder.
It is important to note that we don’t charge for initial advice nor for submitting an unsuccessful offer to buy a property. You only pay a fee if your offer is accepted and we start to deal with the conveyancing process. We will provide you with a very detailed estimate of fees and expenses showing a complete breakdown of our fee, vat and the costs to others such as the land registry charges for registering your title to the property.
If you find a suitable property we recommend that you contact us straightaway. Don’t even wait until the next business day – phone us or email us to advise us of your interest in a particular house and we can immediately offer advice to you on how to get the ball rolling. Quite often we will negotiate the price on your behalf to hopefully secure the property at the lowest possible figure and with a date of entry to suit you. Although a property may be advertised at a fixed price or offers over, we will assess in our discussions with the selling agent whether there is an opportunity to negotiate the deal at a price which is below the asking price. This all depends upon the market climate and the particular property that you are interested in, but it is our job to try and secure the property at the lowest price possible.
We can offer to put you in touch with a mortgage adviser who will be able to search the mortgage market for the best deal to suit your particular needs. The adviser will offer to meet you in your own home in the evening if preferred. We will work closely with the mortgage adviser to ensure that the mortgage is secured before we conclude a contract on your behalf to buy the property.
Once your bid for a particular house is accepted we will examine the title deeds of the property and also a number of reports and searches from the local authority and land registry in order to safeguard your interests and to ensure that the property is suitable for you and marketable when you come to sell on at a future date.
We will ensure that you have taken account of the comments made in the Home Report for the property which the seller will have obtained and paid for before the property went on the market. It is important that you read carefully all the sections of the Home Report and raise any queries you may have with us before we make an offer and certainly before we conclude a contract to buy the property. Although it should not be necessary for you to arrange your own survey, some mortgage lenders will insist upon carrying out their own survey on the property before offering to provide a mortgage and therefore it is essential that this is established before the contract is concluded for the purchase of the property.
In certain circumstances you may decide to have your own independent surveyor carry out an inspection of the property perhaps to double check the value placed on the property in the home report or to check some other aspect of the house. Particularly with very old properties where there appears to be maintenance issues, it may be prudent to consider having tradesmen check the property to ensure there is no serious issues with damp, rot, woodworm or roofing or other such problems which if unattended could result in substantial costs to you.