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You can understand your finances better by using the budget planner to see what available funds you have.
Arrange a meeting with a Mortgage Adviser to ensure that your aims are achievable. At Lauristons we have partnered with Embrace Financial Services who can help you understand more and how much mortgage you could get.
The average initial viewing takes about 15 minutes at the property account for this and travel time in your plans. Assess all your viewings scoring for needs, location and "feel" identifying Yes/No, maybes and what you are willing to compromise on.
The day after viewing feel free to call Lauristons or we will call you for feedback and to discuss if you have a shortlist. The average number of viewings before buying is 9.
If you decide on the home that you want to buy call Lauristons at the earliest opportunity to discuss your thoughts and any offer you would like to make.
Lauristons will put your offer forward and this is the time to discuss with us, if you haven't already done so, conveyancing and touch base with one of the Embrace Financial Services team.
We will keep you informed at every opportunity and you are always welcome to call in. Generally vendors consider offers overnight but do not be put off if your offer is not accepted. This is an opportunity to re-evaluate and most negotiations do result in a positive outcome.
Once your offer is accepted make a mortgage appointment if you haven't already done so and appoint a solicitor to carry out the legal work for you.
Memorandum of sale
We will confirm in writing the agreed terms of the sale; this is called a Memorandum of Sale and is sent to you, the vendor and both solicitors.
Sales progression is the next stage. Lauristons will keep you updated regularly with the progress of your move as well as guiding you through the process in terms of what you need to do. A member of our dedicated sale progression team will keep you updated every step of the way, whilst managing all people involved in the chain.
Exchange and Completion
The average transaction takes about 3 month to exchange. Once contracts have been exchanged you are legally bound to the purchase, at which point a completion date is agreed which is when you come to collect the keys from us.