Offer of loan Mortgage in principle

For those who need to borrow, It is always good to have an idea of how much you
can borrow before you start looking at properties. A good mortgage adviser will help you find the most suitable mortgage for your individual financial circumstances. We can put you
in touch with a mortgage expert.

Viewing

A good idea is to arrange a viewing as soon as you have found the right property or indeed one you are not sure of. Before you view the property acquaint yourself withthe local area

This will give you a chance to consider any questions you may have for the Seller. Have a good look around the property and take notes. Always try and go back for a second viewing. It can be beneficial to ave someone accompany you.

​View several properties so you can compare and form your own judgement with regards to price and suitability.

Most Sellers try to ensure the accuracy of the details in their schedules and advertising, but you cannot always guarantee that they are correct. Always verify the details, particularly the asking price, room sizes, ownership and the tenure of the property before you make an offer.

Negotiating an Offer

This will involve a detailed discussion with us about details of the offer you want to submit, which will include not only the price you want to pay for the property, but also the date you intend to buy and
the items to be included in the sale.

Submitting an Offer

We will submit a written offer for you to the Solicitor/Estate Agent .
We will ensure that where a closing date has been set, your offer is received in time.
The selling agent will advise us whether the bid has been successful or not.

Formalities

Once your offer has been accepted it, the conveyancing or legal process of buying Gets under way.
Financing/Activating Mortgage
It is important to finalise or arrange your mortgage and life and building insurance once your offer is accepted. This will ensure the appropriate finance is in place to enable you to purchase your new property.