Helping you to buy your next home...
...from start to finish Homes Partnership is here to help!
For the most part buying a property is an extremely exciting adventure. Whether you are a first time buyer, investor, trading up, or looking for a retirement cottage one thing is for sure; you need great local knowledge to find that perfect home. Our guide below aims to give you all the buying a property advice you need.
You may want to move for a number of reasons. A change of job, getting married, starting a family or just wanting to get on the first rung of the property ladder are all catalysts for moving. Maybe you want to buy for investment; bricks and mortar is a trusted long term investment, particularly in Crawley with our fantastic transport links and proximity to London and Brighton.
Whatever your reason, it is important to be clear about it, because it will make the rest of the process more straightforward.
Make a list of the 'must haves' and the 'nice to haves but not essential', it will help to focus your search. Think about where and what you would like to move to. Do you have a specific area in mind or does finding the right property matter more? Make sure you think about how your lifestyle could change over the next few years and consider this when you choose your home. Do you want to walking distance the Crawley town centre? Or do you need it to be cycling distance to East Grinstead train station; your needs and wants are what we listen to carefully.
Your next step is to work out what you can afford; most people use a combination of a deposit and a mortgage to buy property; if you would like to know more about mortgages please take a look at our Mortgage Advice page and or call Mortgage Advice Bureau on 01293 525525 - adding to all the buying a property advice you need!
Tips to get you moving
We offer our thoughts on what you should be doing...
Where do I start?
Firstly, give Homes Partnership a call! Once in touch you'll have a chat with one of our experts and our aim is to get to know all about you, so all we ask is you to invest some time and think about the following beforehand:
- Which areas would you consider buying in?
- Are there other areas you would consider but don't know so well?
- What kind of property are you looking for?
- What are the "must-haves" and "don't wants"?
- How much are you prepared to spend to get what you want?
- When do you want to have moved by?
- Do you need to sell, and if so, is your property on the market yet?
- Do you know how much you can borrow, and if so, is your finance organised?
Now you are ready to contact us!
- Once we have a good idea of your needs, it's time to get out there and see a good range of properties so that you can familiarise yourself with what’s achievable in your area and price range.
– The sooner you become confident about value, the sooner you will be in a position to buy with conviction.
– See as much as you can, however if you find the perfect property early on in your search, don’t delay. If you like it, the probability is that someone else will as well!
– Give detailed feedback to your agent; it will help to guide them in assisting you.
Any other buying a property advice?
– Invest time in your agent; the better they understand your needs, the more they can help.
– Make sure everybody who needs to see the property has seen it before you offer.
– Get your ducks in a row; there are thousands of mortgage products on the market. Consult an independent mortgage advisor who can tailor the product to your needs.
– Don’t judge a book by its cover – no property will look like home until you have moved in!
"Choosing the right estate agent is paramount to a fast move!"
Choosing the right solicitor or conveyancer
The name of your solicitor will be needed before any offer is fully accepted, so make sure you appoint one in good time. A good solicitor can make all the difference to the home-buying process and help everything go smoothly.
The legal work carried out during home buying is known as conveyancing which involves carrying out searches, approving a draft contract, raising enquiries, organising the exchange of contracts and so much more.
Make sure you ask your solicitor for a breakdown of their fees before you give the go-ahead for conveyancing to begin. Charges for legal fees vary and it will help with your financial planning to know what the fee will be in advance. Alternatively you can let Homes Partnership take the worry out of selecting a solicitor in association with Lifetime Legal.
Their solicitors offer a no move, no fee service at a guaranteed price and with financial protection. Take a look at our conveyancing page or call us on 01293 529999 for more information.
PROPERTY VALUE & STAMP DUTY VALUE
Your solicitors quote should detail stamp duty, but for ease these are the rates, as at 1st April 2016
An additional 3% surcharge on the total purchase price applies to anyone who is buying additional residential properties, for example a buy-to-let or holiday home, within England, Wales and Northern Ireland.
At the Autumn Budget 2017, the Chancellor of the Exchequer announced relief from Stamp Duty Land Tax (SDLT) for first time buyers. The relief applies from 22 November 2017 to purchases of residential property for £500,000 or less, provided the purchaser intends to occupy the property as their only or main residence.
When you buy a property from Homes Partnership you will receive a buyers information pack which details the conveyancing process from start to finish and we have a dedicated in-house Client Liaison Manager to answer all of your questions and keep you fully informed. Hopefully you've read all the buying a property advice you need but if there are any gaps of knowledge then just give us a call!
Try our our stamp duty calculator!