Buying your home - with Mary Stone Properties
At Mary Stone Properties we understand that purchasing a new home is an enormous investment of your time, your emotions and your resources. Your initial step should be to decide upon a budget that is right for you and your circumstances. If a mortgage is required this is the perfect time to contact a mortgage advisor in order to discuss how much you are able to borrow. Armed with this knowledge you can then decide on the things that are the most important features of your new home. Make a list of things that are of high priority to you and of things that you may be willing to compromise on.
Register with UsBuying a house is a deeply personal and individual experience; some people know that a property is perfect for them the minute they visit it, others have a longer road to find what they are looking for. At Mary Stone Properties we know that everybody finds the right fit eventually and we are excited about helping you on the journey. A great step in the right direction is to register with us. This means you will get regular email updates as exciting new properties become available for viewing. Just click here to fill in our quick and easy registration form.
The Fun BitOn our website you will get access to quality photographs, comprehensive floorplans and accurate description which will empower you to make informed decisions regarding which properties you would like to view. This means that you will have the knowledge to visit properties which suit your specific needs and wishes. After you have seen a property which you feel has potential, just contact us and we will arrange a viewing at a time and on a date that is appropriate for you and the property owner. After this we will call you to gain any insights that you may have about the property.
OffersOnce you have found your dream property, it is time to contact us, providing that you found it through Mary Stone Properties, to make to an offer. At this point we will discuss important details with you and clarify and questions or concerns that you may have. This is the time to discuss pertinent essentials like whether you are involved in a chain and any information regarding your mortgage. At this point we will take your offer to the property owner immediately.
The Next StepAfter we receive confirmation that your offer has been accepted we will ask you for the contact details of your solicitor. This is so we can confirm the terms of the offer and allow your solicitor to start the legal process. At this point it is best for you to start discussions with your independent mortgage broker in order to settle of the terms of your mortgage deal. Once these have been agreed upon they will begin the application process for you.
ConveyancingThe seller's solicitor will now draw up a draft contract whilst your solicitor will do the necessary research to guarantee that everything is okay to move ahead. Your solicitor will do some digging into the title deeds of the property and will find out some details of the general area to provide you peace of mind.
Mortgage SurveyA surveyor's role is to check the condition of the property in order to ensure that it is worth the money that you have offered for it – this will be referred to as the valuation survey. The surveyor will be appointed by your mortgage company. We would also advise you schedule a homebuyer's survey; this reinforces the information detailed in the valuation survey and offers you extra peace of mind. It is much better to discover potential problems before signing the contract.
Exchange Contracts/CompleteAfter your mortgage survey and/or homebuyers report has agreed that the property's value is in line with your offer and your solicitor is certain that the paperwork is in order you will be able to pay your deposit and exchange the contracts. It is at this time that a completion date is usually decided. Upon completion, the balance will be paid and the keys will officially be handed over to you. Now you can pop the champagne cork and prepare for the work of moving into your dream home!
If you are looking to move, please get in touch via my contact page