Buying a Home

All you need to know about moving home! We guide you through each step of the process, from discovering how much you can borrow to the day you’ll pick up the keys. Call a member of our team today and we’ll get you started. We’re here to help: online, phone, and in branch.

Your home may be repossessed if you do not keep up repayments on your mortgage.

All you need to know about buying a new home

Moving house can be a stressful experience, but that is something we fail to accept here at HLC.

We believe that by having the correct mortgage advice and contacts, including pro-active solicitors and good relationships with respectable local estate agents, moving home can be an enjoyable and rewarding experience.

We guide you through each step of the process, from discovering how much you can borrow to the day you’ll pick up the keys for your new home.

Our Financial Advisors will guide you through questions such as: “How costly will it be to move house?” “How do I get a valuation on my current property?” “What insurance is required?” and much more.

How much can I borrow?

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Discovery meeting – an initial consultation

This meeting allows both parties to get to know each other in a stress-free, no commitment environment. We explain how we work and discuss our services and fees with you. We also identify your personal needs and objectives. If we reach mutual agreement on working together we can quickly move on to the next stage.

The guide to moving home

Thinking of buying a new home? There are a number of things you’ll need to think about when you’re looking to move home and are applying for a new mortgage:

On the FINANCIAL side of things, you’ll need to know:

On the PRACTICAL side of things, you’ll need to:

Your aim should be to sell your property at the best possible price in the shortest time.

There are several factors to consider when choosing an agent to sell your house, not just their fees! Take into account their reputation, opening hours, their marketing tactics and how friendly and helpful the staff are.

First impressions count, making the presentation of your property critical to a successful sale of your property. Consider DIY jobs that may need finishing off and create some kerb appeal.

The successful sale of your property can be reliant on the instruction of an efficient and experienced solicitor. Here at HLC we’ve done the research for you and have a panel of local solicitors that are reasonably priced and super efficient.

Once you are sold, you are in a proceedable position to view houses for sale and make an offer on your next property!

This occurs once both parties sign the contracts, deposits will be transferred and completion dates will be set by mutual agreement.

This happens when the residual monies are transferred from solicitor to solicitor. Your solicitor will call you when the monies have cleared in your account and will inform you of key release.

Congratulations, you can now sell your property and you will be the owner of your new home!