Buying a Property

What can you afford?

Buying a property can be one of the biggest financial outlays in your lifetime, so think hard about what you can afford. You will need to consider the savings you currently have as well as the money going in and out on a monthly basis.

It is a good idea to sit down and work out your in-comings and your outgoings, take time to make a note of all the things you spend money on throughout the year, and budget for what you can afford to borrow.

Choosing a mortgage

Choosing the right mortgage in the current financial climate can be a minefield, Consult a financial advisor and arrange your mortgage before you consider looking at properties. This way, when you find the right property, you will avoid being beaten to it by another buyer in a stronger position than you with a mortgage in place.

Finding the ideal property

Make a list of the most important things you would like in a property

  • Number of Bedrooms / Bathrooms.
  • Location / Near to town centre or station.
  • How many reception rooms / Size of Kitchen.
  • Garden / Size of garden.
  • Parking / Garage.
  • How much work do you wish to do to the property.

From your list, let us know what you are willing to compromise on and what is a "must have"

Getting the most out of viewings

Use our property search to find out as much as you can about a property you like using the photographs, floor plans, online brochures and other information.

As soon as you have found a property that is of interest to you, book a viewing.

Negotiating and making an offer

Once you have found the right property for you, the next step is to make an offer. Before you make an offer you need to consider your situation.

If you are a first time buyer or have no chain, you are in a potentially stronger position to make an offer and have it accepted than if you have a property to sell or have a long chain below you.

A property with vacant possession is more likely to accept an offer than those with a long chain above them or with vendors who have not found a property yet.

It is a good idea to tell us the maximum you are willing to pay for the property, this way we can negotiate on your behalf knowing the limits that we have.