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Guide to Buying a Property | Buyer’s Guide
Guide to Buying a Property for Buyer's
Buying a property is one of the most important decisions you will ever make in your life, and probably the scariest one as well.
With our Guide to Buying, you will be able to understand the process of buying a property, and the information needed to help you on your way.
Plan your Budget
Prior to any decisions of where to live and what type of home to get, you need to plan and prioritise your finances, so that you can understand your budget. During your planning stage, you should take into consideration the costs of buying a property, the costs of moving home and the type of mortgage you would like.
For expert financial advice, James Anderson recommends IMC Financial Services, a business partner for over 20 years that have helped thousands of our customers to financially plan their future.
Register your interest with James Anderson
The fast-paced environment of life doesn’t allow for time to be wasted, scanning the web and the various portals, containing thousands of properties for sale, in hope of finding the perfect property. The reality is, your dream property might not even reach the portals, due to the vast buyer’s network available in-house. Therefore, it is vital that you register with our local James Anderson office, allowing you to be placed on the very first searches we carry out to find the most suitable buyers for our client’s homes.
If you decide not to, you will miss out on the benefits this brings you, and you will find yourself hunting for a property in a sea full of buyers doing the same.
Why use James Anderson to find your perfect home
James Anderson has been working in the property sector for 30 years and our knowledge of the local housing market is what sets us ahead of all other estate agents.
As a prime estate agency with offices in Barnes, East Sheen, Mortlake, Putney and Putney Hill that are open seven days a week, until 9 pm weekdays, we are confident that we will find your perfect home.
Book a Viewing
Once you find a property that you are interested in, book a viewing online (if the property is being advertised on our website) or just by calling our local Sales office. Make sure you view all the properties you are interested in, just so that you can get a real feel for the local housing stock in order for you to judge which is the most appropriate property for you.
Our expert team will support you in every step of the viewing, providing you with important details of the property and insights into the local area. We provide accompanied viewings seven days a week, until 9 pm on weekdays and 5 pm at weekends.
Make an Offer
Once you have decided which property you wish to make an offer on, inform the Sales Manager or Sales Negotiator who has been looking after you and they will then speak with their client and hopefully, at the end of the negotiation period, a price has been agreed.
Arrange a Solicitor and Surveyor
Now that you have agreed on an offer on a property, it is vital that you get a solicitor or conveyancer to handle all the legal work in transferring the ownership of the property to you. This sometimes can be arranged through the company that is providing you with financial guidance. Whoever is providing you with the mortgage finance will also need to instruct a solicitor so it will be more cost-efficient to ensure that the same solicitor acts for you personally as well as the mortgage company.
A survey of the condition of the property will be completed, and the property will be checked for any problems that might affect the cost of the purchase – including checking with the local authority and Environment Agency for major problems with the property.
Finalise the Offer and Mortgage
With the survey completed, the surveyor may raise some concerns about the property which you may wish to consider…
James Anderson’s 30 years of experience has taught us a lot. We strive to ensure that your concerns are heard by the seller, avoiding situations where the seller withdraws the property from the market or accepts another offer. We provide expert advice for both parties, and our goal is to secure a successful negotiation.
Once your mortgage has been issued and once your solicitor has investigated the title and raised their enquiries with the seller then you will be in a position to exchange contracts with the seller, provided your solicitor has also received the search from the local authority. A deposit, which is normally 10% of the property’s value will need to be paid to your solicitor prior to exchanging contracts.
Once the contracts have been exchanged a completion date or moving date will be set at the same time.
The above provides a very simplified approach to the entire process. Moving house can become a very stressful process, however, 30 years of experience says that provided the seller completes all the documents that their solicitor sends them within one / two days of receiving them, rather than leaving them on the side to be forgotten about, then the solicitor will be able to start the process of selling the property straight away.
Similarly, it is just as important that the buyer completes a mortgage application straightaway also within 1/ 2 days of the price being agreed to purchase the house and then appoint their solicitor and provide this solicitor with the necessary funds to proceed with the purchase then you tend to find the whole process becomes become allot less stressful for all concerned once the professionals are able to perform their duties in a timely manner. Whenever a sale falls through it can generally be traced back to somebody not realising the importance of delaying the return of documents or submitting a very late mortgage application.
As we are officially in winter, we typically spend less time in our outside spaces. But now more than ever, Brits are looking for new ways to make the most of their gardens all year round.
With these tips, you can make your garden look and feel more inviting for the colder months, whether you decide to brave the cold or not!
Keep those green fingers busy
You wouldn’t assume you can work on your gardening skills in December, but we have just the thing for our keen gardeners out there.
Are you looking to brighten up your drive or balcony? Why not plant the following shrubs to add a splash of colour:
Holly: a Christmas favourite. Choose a female variety to get the bright red berry.
TIP: why not try a self-fertile variety such as Ilex aquifolium ‘JC van Tol’ to guarantee you a crop.
Spindle euonymus europaeus: plant these bright pink lantern-shaped flowers to liven up your doorway.
Crab apple: varieties such as Malus x robusta Red Sentinel burst with gorgeous red fruits all the way through to January, so get planting.
Make it cosy!
Even if you have only a balcony or a small patio garden, you must still utilise it! If you have a larger garden, then focus on warming just a small, more intimate area rather than tackling the whole space.
To better that, add shelter to shield you from the cold nights and lights to enhance a cosy atmosphere by creating strong shadows, framing your designated winter garden beautifully.
Repurpose old cushions and throws
You don’t need to have designated furniture for outdoor use only. Grab some spare cushions, throws and blankets that you already own and repurpose them for the garden.
Don’t leave them outside, have a basket that you bring out with you when you do happen to sit outside.
Have you thought about a fire pit?
Having a fire pit will be sure to get everyone using your garden during winter. You can find a wide variety of firepits suitable for all garden sizes.
Firepits have many great benefits. They keep you warm and create opportunities for fun activities for your family like roasting marshmallows.
Entice the wildlife
Plants are great ways to add colour to your winter garden, but have you ever had a beautiful robin or a goldfinch spread their wings in your outside space?
Invest in a bird bath to entice birds in.
Birds need water for drinking and to clean their feathers, especially in the winter months when most water sources may be frozen over. Make sure the bath is no deeper than 5cm deep and add stones or gravel for some grip.
Adding bird feeds around your outside space will also bribe these beautiful birds around your home.