Buyers guide

Welcome to Buyers guide

If you’re thinking about buying a property, there are a lot of things you need to think through. The best way to weigh all the pros and cons is to have a face-to-face chat with an expert, but we’re also presenting a quick summary of useful tips and reminders for all the buyers.

First, you need to set your finances in order. Research and think about how much you can actually afford to spend on a property. Also, speak to a mortgage brokers to get any available mortgage offers if you are in need for one. Don’t forget to put aside some money for the additional fees and taxes.

Looking at properties is the most important part. Be sure to decide what property is the right property for you, by making a list of things you are looking for. Consider parts like:

  • The council tax band
  • Any service charge
  • Local transport links
  • Outdoor space

 

Does the property have gas central heating, modern insulation and double glazing, etc?

It is essential to consult an estate agent with extensive market knowledge because he might be able to ease up the whole process.

Once you’ve found the right property you want to buy, you’ll need to make an offer. Let your estate agent know how much you’re willing to offer. Don’t worry if your first offer is declined – you can always try negotiating.

Once your offer is accepted, you’ll need to find and employ a conveyancer. He will manage all the things related to the purchase of the property on your behalf. A conveyancer’s job is to make sure all the paperwork is in order and look after the details of the contract for you, so you can worry less.

You can also consider the possibility of hiring a chartered surveyor. His job is to do a full survey of the property, highlighting any possible problems that might need to be looked at.

Keep in mind that buying a property costs a lot of money and throughout the process, you will be asked to pay for things like:

  • Mortgage arrangement fee
  • Mortgage indemnity fee
  • Lender’s valuation fee
  • Conveyancing
  • Land Registry fee
  • Surveys
  • Stamp duty land tax
  • Removals
  • Contingency fund

 

Building and contents insurance.

If you have all the mentioned things in order, you are now ready to purchase a property. Remember that the right agent can help you get all this under control. Contact Swifty for more information and a professional advice!

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