Buying your home is likely to be your largest financial commitment and can be a stressful experience, particularly if you are unsure of the process. Our sales staff at Eden Harper will be happy to explain the process to you and endeavour to make the experience as simple and straightforward as possible.
Registering your details
To find your ideal property, we need to know as much as possible about your requirements. You can let us know what these are by registering online, by phone or by visiting us.
Know your budget
Do you know what you can borrow and what deposit you need to provide? It is important to check that you’re looking in the right price range. We suggest you take professional advice or speak to your bank or building society before you start viewing.
Making an offer
When you have found a suitable property you may want to make an offer. All offers should be confirmed in writing or by email and include any conditions, such as timescale, your financial position and fixtures or fittings you wish to include in your purchase. We will communicate all offers to the seller and keep you updated.
Once the offer is accepted we will notify you and your Solicitor in writing. If you do not have a Solicitor, we will happily recommend one to you. At this point we will also confirm the position on future marketing of the property. It is usual to allow further viewings when a sale is progressing until such time as a survey is carried out, not to encourage gazumping, but just to provide for a first reserve, if needed!
You will need to complete your mortgage application form (if applicable) as soon as possible and pay the valuation fee.
Once you have instructed your Solicitor, the legal process will begin. At the same time, your lender will process your application, carry out the survey, and issue your mortgage offer.
When your Solicitor has completed all of his or her enquiries, is satisfied with all matters raised, and has a copy of your mortgage offer (if applicable), you will be asked to sign your contract and pay a deposit, usually 10% of the purchase price. You will agree a date for completion that is acceptable to both the seller and yourself and proceed to exchange contracts.
CompletionOn the day of completion your Solicitor will send the balance of the purchase price to the Seller's Solicitor. Once the Seller's Solicitor confirms to us that the funds have been received, we can then release the keys to you and you can begin to enjoy your new home.