Stelfort - Independent Estate Agency

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Buyer's guide

Some tips for Buyers:

Step 1. It is always good to know what you can afford to spend on your dream home. Therefore, it is advisable to get a financial advice before looking for a property. This will help you not to waste your time in finding something that you cannot afford to buy. Where, you have a mortgage offer in principal issued you will have a strong position. The agent will feel confident to work with the buyer who has the financial part prepared in principle rather that with a buyer who does not have their financing in order. Shall you need our assistance on this please let us know.

Step 2.  Get an advice on a good solicitor who will do conveyancing once you find a property. The estate agent and vendor will always ask you whether you have lined up one yet during negotiation. We can always recommend you solicitor if you need so please ask for details.  

Step 3. Once you decided about the area where you want to buy your home register with local agents and inform them about your needs and requirements. It is advisable to call the agents on regular basis to ensure you are at the forefront of their mind when a new property comes to the market.

Step 4. A lot of buyers are looking for evening and weekend viewings. This might not always be good for the seller. It is advisable to take a day or two off from work to view several properties in one go. If for any reason you cannot attend a viewing do inform the agent. Where you do not show up this may disappoint a vendor who probably went through some efforts to arrange an access and a property.

Step 5. Once your dream home is found it is advisable to view it at different time of the day so you can have a feeling what it feels in there f.e. in the morning and evening. The last thing we want you to be disappointed after your purchase.

Step 6. Since the other buyer may want a property you like it is advisable to contact the estate agent to give an honest feedback and offer where applicable once decision is made. We will then put the offer forward to the seller and revert to you as soon as we have a feedback. The estate agent will normally inform you if there is any chain on vendors end. However, you better double check this before making an offer. Also, it is important to inform the agent about your clear position too. As some vendors may withdraw from the sale if they find out about a chain on your end at a later stage. Once sale price is agreed negotiation is over we will instruct both side solicitors and deal with the matter. We will also keep you always updated with the progress.

Step 7. It is better to arrange a survey of the property as soon as possible. The lender will not issue an official mortgage offer without this. The survey report may also help you to save thousands where the property has a defect and you want to withdraw from the purchase. This is not very often thing but you better keep this in mind during the purchase.

Step 8. Where all legal and finance matters are prepared the contracts then can be exchanged. This would normally be done within 6-8 weeks from the date the solicitors were instructed. On exchange day the seller will normally get 10% of agreed amount. On a date of completion remaining balance should be paid to the seller. Once funds are cleared you can pop in and collect your keys. Congratulations, you are a home owner now!


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