The first step in finding your new home is to visit one of our branches or call us on 0800 350 350 to register your details so that we can discuss your property requirements.
Before you can begin the search for a property, you must determine your budget and how much you can afford to spend. The best way to do this is to arrange a meeting with one of our expertly trained Independent Mortgage Advisors so that they can work out how much you are able to borrow, and then choose a mortgage to suit you.
Once you know your budget, you can start searching for properties. We advertise all of our properties on our website, and on the Property Portals OnTheMarket.com and Rightmove.com. Once we know your requirements, we will provide you with the details of properties that we have on the market that we think you would like, and then book viewings for these properties. We also update you continually via emails, SMS alerts when the latest properties become available.
When you have found some properties that you like the look of, you should then book a viewing for these properties. We offer both accompanied and unaccompanied viewings, which means that you may be shown around a property by the valuer of a branch, or by the owner of the property, if that is what they prefer. The valuer or the owner will be able to answer any questions that you may have. After the viewing, make sure to provide us with feedback about the property, to help us gain a stronger understanding of your needs and expectations, to make sure that we can find the best property for you.
Congratulations - you've found a property that you want to buy. Once you have made your decision about a property, you should let us know in branch, or by telephone or email, and we will then put your offer foward to the vendor of the property both verbally and in writing. You might then need to show your proof of funds or evidence of your mortgage in principle at this stage.
After your offer has been accepted, there are still no legal obligations between you and the vendor. You must now provide us with your solicitors details and we will then prepare a memorandum of sale, and write to all parties confirming the agreed price. Sales progression will then be carried out and we will be in touch with you to keep you updated.
Once we have successfully agreed a sale and upon your instruction, Andrew Craig Conveyancing will commence the legal process on your behalf. Navigator will guide you through this, allowing you to track your conveyancing progress whilst allowing you to complete legal forms securely online.
A survey of the property will then take place by a surveyor, on behalf of the mortgage lender. This can be to identify any structural problems or to advise on how much the property is worth. After the mortgage valuation report is completed, a formal mortgage offer will be sent to you and your solicitor which will need to be signed and then returned.
Once the solicitor is sure that everything is legally in place, contracts will then be exchanged once all enquiries have been confirmed and agreed. You will then have to pay your deposit to your solicitor. You will then be legally committed to the purchase of the property, and upon exchange of contracts the completion date will be set.
Completion of the purchase will happen when the remaining amount of money has been paid to the vendor. Keys will then be released once the funds have cleared. This can happen at any point after exchange of contracts. Congratulations - you are now the owner of your property!