Helping you to buy your dream home
Buying a property is likely to be the biggest financial commitment you are ever likely to make, so you should use an agency you can trust. George Webb Finn is one of the most established land and estate agents in the area and we are committed to providing the very best in professional service standards.
We are sure that with our local knowledge and expertise, we will be able to find you a property to suit your needs, be it a straightforward move or a ‘Buy to Let’ investment.
Please click here to view a list of our current properties, complete with photographs and floor plans.
New to the area?
If you are relocating from outside of the area, our friendly and knowledgeable staff can offer advise if you require more local information. Whilst we cannot comment specifically on which school would best suit your child, for instance, we can provide information about local nurseries, school catchment areas, shops and amenities, as well as transport links and other essential services. We are here to help you the best we can.
Finding your dream home
House hunting can be a time consuming business for both you and the seller, so it is important to have thought through everything you need to make sure you are taken seriously as a potential buyer. After all, once you have found your perfect new home, you do not want to loose it through lack of preparation and unnecessary delay.
A brief guide to the house buying process:
Mortgage agreement in principle
For the majority of buyers a mortgage will be required to purchase your home, so it is important to establish at the start of your search how much you can borrow and what the repayments will be. There is no point in viewing properties you cannot afford or missing out on your dream home because you thought it was beyond your means. By putting your mortgage in place early in the buying process will save you valuable time later on.
Please feel free to use our Mortgate Calculator to give you an indication of how much you can borrow.
Finding you dream location
The next step is to decide where you would like to move to. By deciding on the specific location you wish to move to will give you a good sense of the local property market and the type of property you can afford.
Register your requirements
You can register your details and property specifications in a number of ways i.e. by email, fax, phone, in person of by completing our registration form. This will give us an insight into your personal requirements, thereby enabling us to modify the details sent to you.
Once registered, you are then in a position to receive details from us directly in person, via mail or email or download and print these out from our website.
Our friendly team are available to arrange those all important viewings of your selected properties. Please contact us to arrange a mutually convenient time by either clicking here or by telephoning our office on 01795 470556.
Before making an appointment make sure you know where the property is located, if you have time, look at the house from the outside so that you are sure that it meets your geographical requirements.
Making an offer
Once you have located your ideal property, you should make your offer to the selling agent, ideally this should be made in writing. In addition to the amount you are offering you should also inform the agent about your position, whether you will require a mortgage and if so whether this is agreed in principle, if you have a property to sell yourself and what stage the sale has progressed to.
When the agent has received all of the information they require your offer will be submitted to the seller for their consideration. This is done both verbally and in writing.
NB: Please note that all offers are “subject to contract” and therefore neither party is legally bound until the contract is actually signed.
The Legal Process
As soon as your offer has been accepted by the seller, you should instruct a solicitor to act on your behalf. Your solicitor will handle all legal requirements of your purchase (property conveyancing). In most cases a Home Information Pack (HIP) containing detailed information relating to the property you are buying will be available and will be provided to your solicitor by the selling agent.
At this point, you also need to formally proceed with your mortgage application and instruct your mortgage consultant/broker accordingly.
Exchange of Contract and Completion
Once the contract has been signed by both parties, a deposit (normally a small percentage of the purchase price) is paid by either bank transfer or banker’s draft. At this stage, the parties agree on a date for completion.
Completion usually follows a few days or weeks after exchange of contracts. The balance of the purchase price is transferred by the buyer’s solicitor to the seller’s solicitor and the keys released.
Congratulations! You are now the owner of your new home!