Buying your home

Buying a home can be a long and complex process, but there are certain steps you can follow to make it as smooth as possible, and we’re here to support you along the journey!


1 | NEED A MORTGAGE?

Find out how much can you borrow. Call your local Venmore Group branch to arrange an appointment with our in-house financial advisor to get FREE whole of market financial advice and an idea of how much you can borrow. They will be able to search the market for the best available deal and help you maximise your borrowing power. Remember to keep some funds aside to meet stamp duty and other fees.


2 | LOCATION, LOCATION, LOCATION!

Define your criteria. Focus on your preferred location, style of property, specific requirements and any other important factors ie local schools, transport links etc.


3 | BEGIN THE SEARCH

Register with your local Venmore Group branch, scan the internet and local papers to ensure you are informed of any new properties coming onto the market. If you see a property you want to look at, call us to arrange a viewing.


4 | OUT AND ABOUT

Finding the right property takes time. Visit some properties. You are unlikely to find the home you want straight away but don’t despair! Your local team are on hand to guide, advise and support you every step of the way.


5 | MAKING AN OFFER

Found somewhere you like? Then you’re ready to make an offer. Consult with the selling agent to find out how long the property has been on the market and any ongoing chain details. Put forward your offer ensuring your own chain details and financial ability are made clear.


6 | ACCEPTANCE

If your offer is accepted you will require a solicitor. Ensure your Venmore Group sales office arranges competitive quotes for a solicitor from our respected panel.


7 | GETTING A MORTGAGE

Once your offer has been accepted, call your advisor to sort out your mortgage application. At this point you will need to provide paperwork showing your income and outgoings.


8 | PAPERWORK

Instruct your Solicitor to start working on a contract.


9 | SURVEYS

If you’re taking out a mortgage your lender will insist upon a survey. You will be guided as to which survey option is best for you. If you are a cash buyer, a survey it still highly recommended to protect your purchase. Ensure your Venmore Group team arrange a quote for you – it’ll be likely to save you money.


10 | NEXT STEPS

Read the survey when it arrives - if the report has a clean bill of health then you’re good to go! However, if you have any concerns with the points raised, consult with the selling agent as to how to proceed. They will advise you on any further investigations that may be necessary, obtaining contractors quotes and any renegotiations that may subsequently arise.


11 | EXCHANGE OF CONTRACTS

After your solicitor or conveyancer has completed all the necessary checks you’ll be asked to sign a contract legally committing you to the purchase. At this point you will need to pay a deposit for the property - usually at least 5% of the purchase price. A date for completion is usually set to suit all parties and timescales.


12 | BOOK A REMOVAL VAN

Time to get packing! Whether you’re hiring a van to do the move yourself or using a professional removal firm – now’s the time to act.


13 | ARE YOU INSURED?

Your financial advisor will help you in all aspects of insurance – from building and contents through to life cover. These should be arranged and in place before move day.


14 | COMPLETION

This is when the property finally becomes yours. When your solicitor tells you that the sale has completed, contact the selling agent to arrange access to your new home!


15 | MOVE IN!

The big day is here... Brace yourself for a house full of boxes and begin to enjoy your new home!


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