Our Sales Advisors will need as much information as possible about you and the sort of property you are searching for. You can contact us directly by phone or email. This is so we can accommodate and find the best possible house for you.
Having more knowledge of the local area, we can steer you in the right way when it comes to schools, transportation, and the area in general. This is especially useful for those who are moving into an area they are new to.
It is critical to have a firm grasp on your budget before you start looking for a new property. Seek advice with your financial advisor to see what size mortgage you qualify for, and then determine how much you can afford to pay for your new property with your deposit. Because the mortgage market is constantly evolving, you should seek out the most up-to-date counsel possible. You will also need to think about relocation expenses including Stamp Duty Land Tax, legal fees, and removal costs.
If you are selling a home, you will need to consider the potential sale price of your existing residence.
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Firstly, you will have to identify what type of property you are looking for. Making a list of wants against need will help you search for your ideal home, although some compromises will need to be made as the properties may not check everything on your list.
Once we have a clear understanding of your needs, we will make recommendations for homes that meet them. If there is not something acceptable right away, we will keep an eye out and notify you as soon as something suitable becomes available. We will also keep you informed about other possibilities that might be of interest to you.
If you are interested in a property, you can contact us at Symon Stirling, and we will arrange a viewing. We will hold keys whenever feasible so that we can schedule viewings at times that are convenient for you. However, in other circumstances, you will need to work out a schedule with the current owners. Be flexible and have a couple other times available if you can.
Weekends tend to be busy for property viewings, and if a property is garnering a lot of interest from potential buyers, we may schedule sessions where you will be provided a time slot to view the property.
Property viewing is essential because even a few minutes spent viewing a property will give you a better idea of whether it is suited for you and offer you additional insight that the property description and video may not provide.
We will require you to submit your offer in writing, confirming your position and financial information. We will make an appointment for you to talk with an independent financial expert. This will assist us in validating your position so that we may confidently and accurately discuss your offer with our vendor client.
Speaking with an independent financial counsellor is completely optional; your offer will be presented objectively. All we ask is that the more information we can provide to our vendor client, the higher the chances of an offer being accepted.
If an offer is accepted, details of the trade will be given to all parties. This will connect both sides to commence legal works. At this time, you will need to begin a mortgage application and prepare for an inquiry.
The legal paperwork will be handled by a solicitor or conveyancer, who will also communicate with the vendor's solicitor. We have access to a list of local solicitors and conveyancers that we can refer you to. Please keep in mind that if you are getting a mortgage to buy a house, the lender will require you to hire a reputable solicitor/conveyancer, so be sure your legal representation can work with the lender before proceeding.
Your mortgage lender will order a survey to uncover any problems with the property that could jeopardise the lender's position. They will also give the lender their assessment of the property's worth. This is a value evaluation conducted on behalf of the lender to ensure that the money you are borrowing is secure.
To check the status and title of the property, your solicitor or conveyancer will conduct searches with the local authority. They will call the managing agents for the service fee and ground rent account if the property is leasehold. They will also make sure there are not any unpaid bills or unfinished projects you are not aware of.
The seller's solicitor and your solicitor or conveyancer will draw up and agree on the contract whenever they are satisfied with the results of their inquiries. You will receive a report outlining the contract's contents as well as any ongoing commitments you have agreed to. You will be asked to sign the contract and pay the agreed-upon deposit if you are satisfied.
Your solicitor will be sent the mortgage offer for you to sign. The mortgage will be in place once it has been signed and returned, and you will be able to exchange contracts.
Both the buyer and the seller sign the contract, and the deposit is paid. The deal is now legally binding, and a completion date has been scheduled for when you will be able to move in.
Following the exchange of contracts, your solicitor or conveyancer will conduct final inspections in preparation for closing the trade. The remaining funds are paid over on completion day. The keys can be given over once the seller's solicitor confirms the money is in their account, and you become the new legal owner of the property.