Help finding your perfect home?
We launch our latest property listings onto our website and to clients signed up to our exclusive email register, 48 hours before other property websites such as Rightmove and Onthemarket.
So, for a genuine reason to sign up and see all of the latest beautiful homes suitable for you first, why not register your details with us by completing the 'Enquiry form' on this page.
What can I afford?
Typically, you will need a mortgage to buy a house, so it’s worth knowing how much you can borrow, what deposit you will need and how much it will cost. If you are moving house, you will also want to know how much you can expect to sell your existing home for, so you will need a valuation is a good idea.
TW Gaze provide a free valuation service and can also recommend a helpful, trusted mortgage advisor to get you start, please contact us.
Viewing properties
Once you have a budget in mind, the next thing to do is find properties that you would like to view. Use our property search to shortlist potential viewings or call 01379 641 341 to discuss your requirements and we can suggest suitable homes and keep you updated when new ones become available.
If you are also selling your house, it is recommended that you have an offer in place before starting viewings – this puts you in a much better position to have an offer accepted when you find your dream home.
Making an offer
Once you find the right property, the next thing to do is make an offer. This is done via the vendors estate agent.
At TW Gaze, we will always request as much information about your offer as possible, so that the seller/s are as well informed as possible and can make a good judgment call whether to accept or reject the offer. Useful information requested includes general timeframes to complete, chain information and source of funds, including mortgage lending and borrowing ratios.
Next steps
Once an offer is agreed by the seller, you will be asked to provide all proof of finances, your Estate Agent details (if selling), your appointed Solicitor firm and all proposed legal owners will be required to complete online AML (Anti-Money Laundering) checks. AML checks also extend to persons providing 'gifted deposits'. Once these are complete, we will formalise the Memorandum of Sale and start processing the sale.
If you do not have a solicitor, we would be more than happy to make several suggestions.
The solicitors conduct the necessary procedures from performing searches, preparing paperwork such as land registry deeds and details of exactly what the seller will be including in the sale.
A good solicitor will be proactive in this process, however a good estate agent is also invaluable in pursuing all parts of the chain to make sure everything runs smoothly.
Exchange and Completion
Once everything is in place, you are ready to exchange contracts. At this point the sale becomes binding, so if you haven’t already it’s time to book that removal van!
The final step is completion, at which point mortgages take effect and monies pass up the chain to finalise the purchase. It’s common for exchange and completion to take effect at the same time, and usually on a Friday.
The sale is now complete and you can collect your keys and start moving into your new home, congratulations!
Please note that each sale is different and this guide may not cover all eventualities. If in doubt, we are here to help.