TIPS ON BUYING & SELLING

 General Tips I would recommend when purchasing your home

• Try to establish a savings pattern and before you know it you could have enough monies saved for a deposit. You are also recording “Savings Statements”, which will be one of the documents you will require when applying for a mortgage.
• Arrange finance – shop around for the best terms and conditions that are on offer to you, and seek mortgage approval.
• Do your research and forward planning - decide where you would like to live and keep in mind location, as this is very important for resale purposes should the decision to sell arises in the future.
• Find a Solicitor – this is so important to get right first time round. Talk to family, friends and co-workers, listen to people’s experiences with their solicitors, one can never beat inside knowledge and first hand experiences.
• Contact and finalise your finance – this is vital before you can proceed with any purchase.
• Be patient with your solicitor when buying your house – normal could take 3 months approx to finalise all the paper work.
• Pick up the keys and start celebrating – and congratulations!

Stamp Duty Rates

General Tips I would recommend when selling your home

• Create a buying atmosphere – first impressions last. Turn on all lights prior to showing, have a pot of coffee made, nothing like a lovely smell of fresh coffee brewing, and where possible light the fire – gives buyers the homely feel! And finally have fresh flowers in the hallway, as this is appealing and will add ambience of your home.

• When the doors open – is the air fresh, the porch and foyer clean and tidy, and check if door bell/knocker works.

• Give impression of cleanliness and lots of space – Clean halls and stairways, clear clutter, remove clothes for radiators, closets neat and tidy, de-clutter and store un-needed furniture, kitchen counter and stove clean, followed with bathrooms clean and fresh. Ensure beds are made, if possible with clean bed linen.

• Good maintenance and kerb appeal – Repairs are vital, clean windows, touch up painting, litter picked up, lawns cut and hedges/shrubs trimmed and eves are in clean and in good condition.

• Pets - Clean up, doggie odour is a turn off and cat litter in the rooms doesn’t sell a house.  

Tips for First Time Buyers

We have the understanding that buying or selling you home is one of the biggest financial tractions that you will have undertake in your lifetime, it can be very stressful time for couples and individuals alike. Our job is to take the pressure and headaches out of it for you.

By our expertise and knowledge as being small company we give you more time to go through the buying process and help you along the way with simply explaining everything step by step
We our Company with the hand on approach, and you will find out why we’ve earned the reputation, hard working, loyal, honest, always there to answer your questions when need be.
 We know that is daunting task taking you first step onto the property ladder. And we know that every first time buyer have not got this information to hand.

However this is where we come in with support and professional help needed. As agent myself I have helped many first time buyers over the years with the purchase of their first home, I always listened to what they needs and wants were which is fundamental to people starting out on their first property

Our first time buyers guide will show you what’s happens every step of the way, from raising the finance, to securing the property, so let’s get the ball rolling and talk to us today

Buying a new home guide

• How much can you borrow- we can talk to bank or Mortgage broker for you
• Show a savings record from you local bank that you do business with over months or years. The more you have saved, the easier it’s for you putting a deposit on your dream home

Documentation Checklist Current P60 3 Recent Pay slips Currant Bank Account Statements Passport Confirmation of Your Address From a Utility Bill 12 Months Loan statements (if applicable Salary certificate (provided by mortgage provider)

Hints for First Time Buyers Speed up the process by calculating out how much you can afford to repay each month for you dream home Mortgage Approval The Search Find a Solicitor Finalize the Finance No Changing Minds or Turning Back Be Patent With the Closing of the Sale Picking up the Keys From you Solicitor for you First Home Time to Celebrate with the Bottle of bubble

Buying a Second Hand Home

Documentation Checklist

You Will Need the Following Documents to Process a Mortgage Application

• Current P60
• 3 Recent Pay slips
• Currant Bank Account Statements
• Passport
• Confirmation of Your Address From a Utility Bill
• Saving Statements
• 12 Months Loan statements (if applicable
• Salary certificate (provided by mortgage provider)

Hints for Second Time Buyers  Mortgage Approval The Search Find a Solicitor Making a Offer Survey No Changing your Mind or Turn Back Picking Up The Keys From Your Solicitor Time to Celebrate with a Bottle of Bubbly