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Buying a home can seem a little
overwhelming, there are many things to think about and
unfortunately sometimes things can go wrong, with so many
different elements to consider. We will use our expertise
to guide you through the process, and make buying (and
selling) as trouble free and smooth running as possible.
Register
on our contact list
Pop in to our St. Helens
offices in North Road , call us or fill in the contact
form on this website. We will keep you updated of new
properties via email, or phone- you choose.
This way you learn of properties before they are advertised
in the local press.
Looking
for properties
When a new property comes
on the market we search through our contact list to see
if it would match your requirements. We will contact you
to let you know of any that seem to fit your criteria.
Most of our properties attract viewers this way, before
they are advertised in the local press, giving you the
chance to be ‘first to view’.
Mortgage
Sellers will take any
offer you make more seriously if you have verified that
a mortgage is available to you. Lathom Financial Services
our independent mortgage brokers have access to every
mortgage on the market, using all the main banks, building
societies and centralised lenders. Unlike many brokers,
they won't charge you 1% commission. Their advice is free. To find out more, simply call Lathom Financial Services, 01744 600036.
Viewings
All of our viewings
are strictly by appointment – easily arranged, simply
telephone or pop in to the office. Many sellers are agreeable
to evenings and weekends.
Make an offer
Once you’re ready
to make an offer, call in to our office (or telephone
us) as soon as possible. We'll put your offer forward
to the seller – all offers must be notified to the
vendor. We’ll need to verify your circumstances at
this stage in order that we can put the full picture forward
to the seller. Any offer is subject to a contract being
signed and at this stage there are no legal obligations
for the buyer to buy, or for the seller to sell, until
the contract is signed.
Legal
A solicitor will be required
to handle the legal paperwork involved (conveyance). It
is preferable to use a solicitor who specialises in conveyancing
and knows the area that you're moving to. We can recommend
a selection of solicitors locally if you wish.
Sale Agreed
Once your offer is
agreed (subject to contract), you will need to finalise
your mortgage application promptly, and instruct a solicitor
to proceed on your behalf.
Draft
Contracts
These are drawn up by the
seller's solicitor and sent to your solicitor, who will
raise some preliminary enquiries and make a Land Registry
search.
Local Authority
Search
Your solicitor will
submit a local authority search to the local council.
This can reveal, planning consents granted for the property,
plans for the area, etc.
Survey
A surveyor on behalf of the
mortgage lender carries out a basic survey to check for
any problems and advise on the property's value. More
thorough surveys can be arranged.
Contract
Approval
When the local search and
answers to the preliminary enquiries are received, your
solicitor will approve the draft contract as long as there
are no further enquiries.
Formal
Mortgage Offer
This will be sent by the mortgage lender to your solicitor
for your signature. Once signed and returned your mortgage
is in place and you are ready to exchange contracts.
Exchange
of Contracts
Once both the buyer and the seller sign the contract,
the deposit is either telegraphically transferred or paid
by the buyer's solicitor in the form of a banker's draft.
The completion date is usually finalised at this stage,
though it is possible to exchange and complete on the
same day.
Completion
This is usually a few days to a few weeks after exchange
of contracts depending on the buyers and sellers requirements.
Once completed you can collect the keys.
Moving
Costs
Our mortgage manager can talk you through the buying process
and costs involved which may include; survey costs, legal
fees, mortgage fees, mortgage advice fees (our advice
is free), mortgage indemnity guarantee, buildings insurance,
removal costs, stamp duty, etc.
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YOUR
HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS
ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING
OTHER DEBTS AGAINST YOUR HOME.
Authorised and Regulated by the Financial Services
Authority. Registration number 304455. Company registration
no. 4765373 |
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