Homebuying Checklist

Determine your budget:

Calculate how much you can afford to spend on a home, taking into account your income, expenses, and savings. This will help you determine your maximum budget for a property.

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Get pre-approved for a mortgage:

Contact us and get pre-approved for a mortgage (This is usually called a Decision/Agreement in Principle). This will give you an idea of how much you can borrow and help you determine your price range when house hunting.

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Research properties:

Use online tools and research properties in your desired location. Visit open houses and schedule viewings to get a better sense of the properties you're interested in.

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Make an offer:

When you've found a property you like, make an offer. Your estate agent can help you determine an appropriate offer amount and negotiate with the seller.

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Appoint a solicitor:

Find a solicitor or let us provide one for you. A solicitor or conveyancer will handle all the legal aspects of buying or selling a property for you. 

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Have a survey and valuation done:

Hire a qualified surveyor to conduct a survey of the property to identify any defects or issues. Also, get a property valuation to ensure that the price you're paying is fair.

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Finalise your mortgage:

Once your offer has been accepted, finalise your mortgage with us. This will involve providing documentation and signing a mortgage agreement.

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Exchange of contracts:

Once all the legal paperwork is complete, exchange contracts with the seller. This is a legally binding agreement to buy the property.

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Completion:

On completion day, your solicitor will transfer the balance of the purchase price to the seller's solicitor. Once this is done, you'll receive the keys to your new home!

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Move in:

Now it's time to move in and make your new house a home. Set up utilities, change your address, and start enjoying your new property!