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Buying house is very expensive[especially in London:)] and important decision in our life.Here we give you some tips(these tips are valid in England,Ireland and Wales)
1.Think out in advance your finances. How much you can borrow? Will you be able to pay your monthly repayments?
2.Consider which type of mortgage is suitable for your particular circumstances. Find easy-to-follow Mortgage Guides which you can study at your leisure.
3.Work out what you want and where you want to buy. Find cheap but reputable Estate Agents.
4.Appoint a solicitor. Ask for mortgage guide on the role of the solicitor.
5.Make an offer. As a first-time buyer, you're in demand as you are often at the start of a 'chain' of people selling their houses. This may give you a strong negotiating position.
6.Find a survey.Ask for our Surveys' Guide, and for a list of surveyors in your chosen area.
7.Exchange contracts. Your solicitor will tell you when it's time for you and the seller to sign and exchange contracts. This normally involves payment of a deposit of 5%-10% of the purchase price. Once this has happened, neither you nor the seller can back out without huge financial penalty.
8.Book us now.
9.Complete and Move In! 'Completion' takes place when your solicitor deposits the money in the seller's solicitor's bank account. At that time you can take the keys and move in to your new home with our help!
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