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Organising the Finance |
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The price you can afford to pay will depend on the way in which the transaction is financed. We can advise you about funding and discuss with you the various types of mortgage available. |
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Basis of Ownership |
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Most people buy jointly and we can explain to you the different ways in which property can be held by one or more individuals. It is vitally important that this aspect is dealt with thoroughly as it has a major impact on what happens if one of the joint owners should die. |
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Surveys |
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When you take out a mortgage, the Lender will insist on the property being surveyed, but sometimes it is beneficial to have a further, more detailed, independent survey. We can explain to you the different types of survey available and we can put you in touch with reputable surveyors who can carry out a survey for you.
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Making an Offer |
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It is sometimes helpful if the offer to purchase is actually made through a solicitor as this demonstrates how serious you are about the proposed purchase.
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Estate Agents |
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We deal with reputable estate agents all the time and we can direct you to the one we consider most suitable to sell your particular property. |
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Other Legal Aspects |
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There may, for example, be conditions or provisions in the title to the property which may affect your ability to obtain planning permission in the future. Similarly, there may be provisions about boundary walls or restrictions affecting what you can and cannot do on the property. We can explain all these factors to you. |
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Expenses |
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We shall provide you with a written estimate of our fees and the payments which will need to be made on your part such as search fees and stamp duty. We will explain exactly when the deposit and the balance of the purchase price are required, as well as ensuring the mortgage monies are obtained on time. |
What we need from you:
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Personal Identification Details to comply with Money Laundering Regulations; |
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The price of the property; |
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A copy of the home information pack for the property; |
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Any factors that may influence the exact time you want to buy the property (for example, to coincide with school holidays); and |
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How you are planning to pay for the property. |
We also need to know whether:
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You have applied for a mortgage; |
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You plan to carry out work on the property; |
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The seller is buying another property; and |
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You have a property to sell. |