Saints Estate Agents

Buying

Whether you’re looking for a new home or an investment property, a combination of the right estate agent with considerable local knowledge and the right professional service providers can be the difference between a dream or a nightmare experience.

At Saints Estates we are ourselves local market experts, and work alongside a number of excellent partners ready to provide you with guidance and advice in the areas of conveyancing, mortgages, surveys, EPCs, construction and more.

Step 1 – Budgeting

Whether you’re considering a cash purchase or exploring various mortgage and finance options, it is crucial to budget for your property purchase and gain a clear understanding of the financial aspects involved. This includes factors such as stamp duty, renovation costs, moving expenses, and legal fees. Understanding these expenses is essential to make informed decisions. Contact us today to schedule a free consultation and receive expert guidance on managing your finances for a property purchase.

Step 2 – Property Search

Now that your financial position has been clarified, you can proceed with confidence to search for a property. With a decision in principle or allocated budget for a cash purchase, you have a solid foundation for your property search. Consider your specific requirements such as the need for parking and a garden, the desired number of bedrooms, and any specific postcode preferences you may have. We are here to assist you in finding the perfect property, even before they are officially listed on the market. Take advantage of our house search services by contacting us today to inquire and begin your property search journey.

Step 3 – Make an offer

After determining the perfect location and identifying the property that meets your criteria, it is time to make an offer. Your offer should be a combination of your own realistic assessment of the property and the guidance provided by your team of trusted service professionals. Their expertise and advice will play a crucial role in ensuring that your offer is informed and aligned with market conditions. By leveraging the insights from your power team, you can confidently submit an offer that reflects both your assessment and their professional input.

Further Steps

Organise a survey

A survey or homebuyer’s report is typically conducted to assess the property for any potential issues or concerns. Additionally, your lender may require a valuation of the property to ensure it aligns with the asking price, and they may request additional information as well. We are here to assist you by recommending a qualified surveyor, or you can reach out to the Royal Institute of Chartered Surveyors for guidance on connecting with a local surveyor. They can provide valuable advice on selecting the best surveying option for your specific needs.

Instruct a conveyancer

The process of buying a property involves several essential legal documents and procedures. To ensure a smooth and efficient transaction, it is crucial to enlist the services of a dependable property solicitor or conveyancer who will handle all the necessary legal and administrative aspects. It is advisable to initiate your search for a solicitor early in the process, as finding a professional you trust and feel comfortable with is paramount. We understand the importance of this step and are here to assist you. Please reach out to our team for further guidance and information on finding a suitable solicitor to support you throughout the property buying journey.

Exchange contracts

Once your solicitor/conveyancer and surveyor have provided their approval, it is time to proceed with signing the contract and exchanging it with the seller. During this stage, you will typically be required to pay a deposit, typically around 10% of the sale price. The contract, once signed and exchanged, signifies the commitment of both the buyer and seller to complete the sale. It is important to note that withdrawing from the deal at this point may result in the forfeiture of your deposit.

Completion

This is the pivotal moment when the remaining balance of funds is transferred by your conveyancer/solicitor, officially making the property yours! The completion day typically marks the earliest opportunity for you to move into your new home. At this stage, all outstanding fees, including stamp duty and other applicable costs, are typically settled, finalising the entire process and granting you the keys to your new property.

Services

Further Steps

We collaborate closely with knowledgeable independent mortgage experts who possess extensive access to the entire mortgage and finance market. Their expertise enables them to offer you the most optimal solutions available. By presenting a comprehensive range of options, they assist you in selecting the financing solution that best suits your specific purchase requirements. To learn more about these valuable services, please don’t hesitate to contact us.

Conveyancing

The conveyancing process is well-known for being time-consuming and often presents significant challenges in property transactions. Therefore, it is of utmost importance to engage the services of an experienced and responsive conveyancer/solicitor who can navigate the process efficiently and ensure a smooth and timely completion. To ensure a seamless experience for our clients, we have established partnerships with exceptional and highly efficient conveyancing firms. With their expertise and dedication, we strive to provide you with a streamlined and stress-free journey throughout the conveyancing process.


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