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Buying Guide | Mortgages | Mailing List

STEP 1 - REGISTER WITH BRISCOMBE, NUTTER & STAFF

We can help you to start looking for you new property from a substantial database of property throughout Worsley and the surrounding areas. You can register by contacting our office or using our on-line registration form.

STEP 2 - ARRANGE YOUR MORTGAGE

Reviewing current mortgage options available, obtaining mortgage advice and a mortgage offer in principle should be investigated as early as possible in your property search, this can save a great deal of time once you have found your ideal property. For any mortgage advice please click on our mortgage link, for free independent advice.

STEP 3 - VIEWING A PROPERTY

We will endeavor to arrange appointments to view properties at times convenient to you, however do have a couple of suitable times in mind when you book as Saturday and Sunday do book up early.

STEP 4 - MAKING AN OFFER

When you have found a suitable property and wish to make an offer, we will submit this to the vendor verbally and in writing. Any offer you make on a property will be subject to contract and is not legally binding on you or the seller.

STEP 5 - COSTS TO CONSIDER

Solicitors fees, Mortgage arrangement fees, Stamp duty, Survey fees (if required), Local authority search fees, Removal costs.

STEP 6 - SALE AGREED

Once the sellers have accepted your offer, we will arrange for the agreed terms to be sent in writing to all parties. At this stage you will also need to formally instruct your solicitors, arrange a survey, if required and ask your financial adviser to proceed with your mortgage application.

STEP 7 - APPOINTING A SOLICITOR

Before a sale can proceed, you will need a solicitor or licensed conveyancer to process the legal work. Whoever you appoint will normally be appointed by the mortgage lender (where relevant) to fulfil their legal requirements as well.

STEP 8 - LEGAL PROCESS

Once the vendor's solicitor has obtained the title deeds and other relevant documentation they will prepare a draft contract of sale. Your solicitor will examine all the papers and raise enquiries and related matters about the property and also carryout a land registry search. A local authority search will also be submitted to reveal details of planning consents and matters concerning the property together with other material local issues. Once your solicitor is in receipt of all replies to enquiries, satisfactory local search and your mortgage offer, they will contact you to sign the papers and collect your deposit. They will then be in a position to exchange contracts with the vendor's solicitor.

STEP 9 - APPOINTING A SURVEYOR

If you are obtaining a mortgage, the lender will normally require a surveyor to carry out a valuation. This will check for any major structural problems and provide a valuation to the lender. This does not involve a detailed survey of the property and does not involve a detailed survey of the property and provides no obligation to you. However, you may choose to instruct a surveyor to carryout a Homebuyers survey and valuation report or Building Survey, which provides a detailed inspection of the property and highlights any potential problem areas.

STEP 10 - MORTGAGE OFFER

Once issued by your lender, it will be sent to your solicitor with a copy for you. This will confirm the mortgage and deposit you will be required to pay.

STEP 11 - CONTRACTS EXCHANGED

Subject to all formalities being completed, the purchaser and seller sign the contract. The deposit of the purchase price is forwarded to the seller's solicitor, and then contracts will be formally exchanged. At this stage the transaction becomes binding upon both the seller and the buyer. The completion date will be agreed between both parties prior to exchange of contracts and normally will be within four weeks from the date of exchange.

STEP 12 - AFTER EXCHANGE

After contracts have been exchanged you will need to put matters in hand to ensure moving arrangements proceed smoothly on the day of completion, such as; arrange removals, confirm change of address, arrange for services to be transferred, arrange building insurance, and arrange redirection of mail.

STEP 13 - COMPLETION

On the day of completion, the balance of purchase monies will be transferred from your solicitors to the seller's solicitor's account. Once the property has been vacated the solicitors will confirm that completion has taken place. You can now pick up your keys!