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Buyers Guide

Budgeting for your move


Whether you are buying and selling or are just buying, you will need to work out your finances. If you need a mortgage you will need to speak to a Mortgage Adviser. PK Properties reccomended Mortgage Advisers are independent and an appointment to see one of them is advised early in the process. If you don’t require a mortgage it is sensible to think through all the potential moving costs you might incur such as Stamp Duty, legal fees, agents fees, removal costs etc. as you plan your budget.

 


Arranging your solicitor


It is advised that you arrange a solicitor early on in the process so a file can be opened in readiness. PK Properties can provide you with a list of highly recommended local solicitors. Please enquire for further details.

 


Agreeing a purchase


When you have found a suitable property an agent will check a buyer’s ability to proceed. If you are selling it will mean speaking to other agents in your chain. If you don’t need to sell we will ask for proof of funds. Once all the information is to hand we will write to all parties to confirm the sale and then the legal progress commences.

 


Arranging a survey


If you require a mortgage on your purchase your lender will be arranging a mortgage valuation. In addition you may require a survey. PK properties are able to provide contact details for local surveying firms.

 


Legal work before exchanging contracts


Once instructed the solicitors will commence work on progressing the sale. This will involve arranging searches, raising and answering enquiries, checking through all documents and, if mortgage finance is required, dealing with the relevant financial institution. This process should take on average between 4-6 weeks.

 


Exchanging contracts


A sale is not legally binding until this point. At exchange of contracts it does become legally binding and a moving / completion date is set. This is the date to confirm your booking with your removal company and to notify your contacts of your new address and moving date.

 


Completion / moving date


This is the date you get the keys to your new home. Agents cannot release the keys until they have had confirmation from the solicitors that the monies have arrived. The usually happens in the middle of the working day (between 11am and 3pm).