Buyers Guide

A Step by step guide to buying your new home! We are with you every step of the way.

Contact an Agent!

Email: sales@aycliffehomes.co.uk

Search for a property

You probably already know what you want, but this will change over time. It’s important to keep your estate agent up to date as we will proactively search for properties you’re interested. The main things to think of are: What can I afford? What kind of property am I looking for? Ho many bedrooms do I need? Do I want  garden? Anything, whatever you want we will try our hardest to find it for you!

Arranging a mortgage

It’s great you’ve decided to buy a new home, but you need to make sure you can afford it and the bank is willing to lend you the money you require before you start your search. If you have not already done so, you can speak to our in house mortgage adviser for a free, no obligation chat.

Attend Viewings

Once you’ve found the property of your dreams, the next step is to view it. When you go around it’s important to have a good look and to make sure you can see yourself living there! Once you’ve decided, then the fun starts!

Making an offer

Call your estate agent to make an offer on the property. The estate agent will negotiate your offer until accepted by the sellers!

Arrange for a solicitor/ conveyancer

The solicitor/ conveyancer will handle all the legal work regarding your property. This can be both for the buying of a property and the selling of your current property. Ideally, you would already have a solicitor/ conveyancer ready to proceed so the process of transferring property deeds can be carried out as quick as possible. Your solicitor/ conveyancer will also tell you exactly how much you will be paying for fees, along with submitting searches to the local council to check whether there are any local issues or planning issues that may affect the value of the property. The solicitors work for you and will always have your best interests at heart.

Organise a Survey

Your mortgage lender will require a survey to be carried out in order to ensure the property is worth the price you’re paying. This will usually be arranged for you by the mortgage lender. If you’re a cash buyer you can instruct your own survey. If you require help with this please speak to us and we can put you in touch with a local surveyor.

Exchange Contracts

Your conveyancer will approve a draft contract once they have received the local searches and all outstanding enquiries have been dealt with. A formal mortgage offer from the lender will be issued, which will be required to be signed by you. From this point contracts can be exchanged and signed, however, you should read through the contract first and make sure you are happy with what the seller is leaving behind. Once you have exchanged contracts, you and the seller are legally committed to the buying and selling of the property. You will need to take out buildings insurance as you are now the legal owner of the property.

Completion!

Collet your new keys!! Completion can take place straight away, however, it is usually between one and four weeks after you exchange contracts so that the solicitors can organise a date and transfer money. Once this has all gone through you can collect the keys and begin your journey in your new home.

Ready to Buy?

If you are a buyer looking to buy a property please provide us with your details and we will actively source properties for you! No matter the location, size or price… We will speak to our database of sellers to get you the home or investment you want!