Buying a home
Brar & Co have many years experience and a proven track record in property purchase conveyancing. Our aim is to take the stress out of selling your home. Our solicitors can
provide advice and expertise to ensure your house sale goes through quickly and efficiently.
Finding and buying your perfect home is one of the most important decisions in your life, and can be somewhat daunting.
Brar & Co are here to help. Buying your home, whether you are first time buyers, moving up the ladder or downsizing, it is an exciting but stressful time. Let us take the stress by making sure you understand the whole buying process, and you can enjoy the exciting parts.
In addition to having a huge selection of houses and flats across all price ranges, we will also guide you through the process from start to finish and:
- Speak in plain English, no legal jargon
- Provide expert professional advice throughout
- Handle all conveyancing and other legal work
- Recommend a mortgage specialist should you need one
- Negotiate skillfully to get you the best deal for your chosen property
With Brar & Co acting on your behalf you can have complete peace of mind. Put your property purchase in our safe hands
A few tips to help yo with buying a home
1 – Do your sums
Work out exactly how much you can afford, and stick to it. Buying your own home is a huge long term financial commitment, so make sure you can meet your repayments should interest rates rise.
2 – Secure your mortgage
It is so important to ensure you have a secured a mortgage with a lender before you start looking seriously. This means that when you spot your dream home you are in a strong position to negociate.
3 – Find your new home
We all have our wish lists that make up our perfect home and Brar & Co can help you find it. Consider the area, schools, access to public transport and main routes. Think about what you and your family need: number of bedrooms, garden, dining room for entertaining. Also give some thought to the things you don’t want. Perhaps you’d prefer not to do a lot of decorating after moving in or don’t want to be too close to a busy main road.
4 – Viewing a prospective house
Find out as much as you can about the property before you visit. Use the information available to you from Brar & Co, the internet and local information. If you take a camera don’t forget to ask permission from the owner of agent before taking any pictures.
View a house with your head not your heart and try to visit at different times of day – an oasis of calm in the afternoon could be very busy and noisy at nightime. Don’t be put off by faults, but do get a professional opinion and use it to renegotiate the price. Pay attention to the structure of the building rather than the colour of the walls.
5 – Negotiating price and placing an offer
In the strongest position will be first time buyers and those who have pre-arranged mortgages, so if this is you let your seller and their agents know about it. It can put you in a favourable position to negotiate price, particularly so if the seller is part of a chain. Know and stick to your budget, and think carefully if the property is worth it if the seller refuses to shift in price. Highlight faults and necessary repairs to justify a lower offer and make it clear that any offer is subject to contract and satisfactory survey results. Once your offer has been accepted, make sure that the property is taken off the market. Not all agents will do this as it closes the property off to other potential buyers.
6 – Conveyancing
Conveyancing is the legal buying process,
- obtaining responses to questions on boundaries, fixtures, fittings and neighbours
- checking guarantees, planning permission and building regulation certificates
- checking ownership and legal rights to sell
- carry out local authority searches
- pay stamp duty and arranging regisration of title in your name It can take between 6 and 12 weeks from your offer being accepted to having all the paperwork completed even if there is no chain involved.
Once all is in place a deposit will usually be paid and contracts will be exchanged. The deposit will be lost if you pull out of the purchase at this stage and the seller may take legal action against you. A date is then set for completion and arrangements can be made for you to move into your new property.
7 – Moving day Choose a reputable removal firm.
Use recommendations from friends and obtain a few quotes before making a final decision. Make sure your chosen firm is a member of the British Association of Removers who have a strict code of conduct.
If possible try to overlap the moving days so you have time to make good any essential work on the new property, for example, decorating, laying of new flooring before the furniture moves in Save time by packing over a period of weeks, the belongings that you don’t use regularly Remember to notify your utility companies and redirect your mail.