First Time Buyer

This will allow you to book appointments to view properties through your local estate agents.

Estate Agents love first time buyers as they have no messy chains and have already been advised what their budget is. If you’re interested in a property and they know your position, it is likely you’ll get that all important viewing quickly.

When viewing properties within your budget, try to remain realistic. View with an open mind. Try to imagine the property as you would decorate it and think of the excitement of what furniture and colour schemes you could go for.

Try not to let your heart rule over your head. Think carefully about what you want to offer and, if it’s a sought after area, get wise to gazumping and sealed bids.

The successful purchase of your property can be reliant on the instruction of an efficient and experienced solicitor.

A mortgage lender will require a valuation survey to be certain that the property is worth the money they are lending you. If you are purchasing an older property you may want to consider a property survey or full structural survey. The results of any of these surveys might mean you can re-negotiate the selling price.

Once the contract has been signed by both parties, your deposit will be transferred to the vendor’s solicitor. The completion date is then set by mutual agreement.

This happens when the residual monies are transferred from your solicitor to the vendor’s solicitor. Your solicitor will call you when the money has cleared and keys can be released to you. Congratulations, you now own your first home!