Step 1:
Find out your price range:
If you are a first time buyer or not subject to selling a property this will depend on your personal circumstances and criteria such as income, deposit amount, level of debt, etc. If you are subject to selling your property it is always a good idea to find out its current value.
If you already own your property/ are subject to a sale:
Get a current market appraisal of your property:
As the property market changes constantly getting a current valuation of your property is a good idea if you are interested in moving home. How much your property is worth will allow you to determine what your price range is likely to be when searching for your new home.
To arrange a pre-sale appraisal of your current home click here or call our offices.
If you are a first time buyer/ not subject to selling a property:
Get Reliable & Independent Mortgage Advice:
Although buying your first home may seem daunting - don't fear! Being a first time buyer can actually be an advantage and make you more appealing to vendors - as any offers you make will not be subject to the sale of a property.
To ascertain your price range for your first home we recommend that you receive some financial advice. Our in-house Independent Financial Advisor is happy to help with this, as well as discussing & advising on options like co-ownership, life insurance, critical illness cover, etc.
To arrange a mortgage appointment click here or call our offices.
Step 2:
Register on our mailing list:
We have an extensive list of properties to choose from throughout the wider Dungannon Area; Moy, Killyman, Newmills, Coalisland, Aughnacloy, Ballygawley, Bush, Tamnamore... whether it's a new modern fully turnkey home or a period property in need of some TLC we will help you find what you're looking for.
To start the process click here to register on our mailing list and we will send you information on the latest homes to come to the market that suit your requirements. You may also use our property search facility to explore the vast selection of homes we currently have for sale and while you're on our website why not check out our other useful guides on Property Jargon, Latest Property News & Instagram inspiration.
Step 3:
Contact our experienced sales team:
See something that ticks your boxes?
Give us a call on 02887726992 or send us an email and one of our honest, professional, helpful staff will be happy to answer any queries you may have or arrange a viewing for you.
Every property on our website also comes with an extensive photo gallery, floor plan, location map & EPC - we know that the more information you have the easier it will be to find your dream home.
Step 4:
Arrange viewings of appropriate properties:
When you see a property that is right for you, contact us and make an appointment to view ASAP. We will then arrange a viewing at a convenient time - with attended viewings available 6 days a week including evenings & lunch times we are sure to get a time that suits you. One of our highly experienced staff will be with you to answer any questions or queries you may have.
Step 5:
Make an offer:
Once you have found your dream home it is time to put in an offer. We will forward your offer to the seller in writing and verbally, and let them know of any particular conditions you might have. At this point you may be asked to show evidence that you have spoken to a mortgage advisor or provide proof of funding, dependant on the property and our instructions from the vendor. It's now time to cross your fingers and wait and see if your offer is accepted!
Step 6:
Sale Agreed:
Congratulations, your offer has been accepted! Now you will be asked to provide some details & documentation so we may formally agree the property to you and get the legal and financial balls rolling. These will include documents such as copies of your ID - normally driving licence or passport; Proof of current address - normally a bill or bank statement; A pre-contractual deposit in some instances, your appointed solicitor and mortgage advisors details.
Step 7:
Appoint a solicitor & Apply for a mortgage:
Now that you have a property Sale Agreed it is time for your appointed mortgage advisor or bank to submit your mortgage / co-ownership application. Your lendor will then instruct a valuation / survey of the property on your behalf to ensure there are no structural issues and that you are paying a fair price.
This process normally takes around 3 - 6 weeks in total dependant on your individual circumstances, chosen lendor and whether or not you are subject to co-ownership. If there are no issues your solicitor will then be issued with a mortgage offer.
Now that you have a mortgage offer your appointed solicitor will make legal questions on your behalf - this can include queries about rights of way, warranties, council certificates and boundaries - all to protect your interests! If satisfied with the responses they will arrange for contracts to be signed by both the vendor and yourself and for you, if appropriate, to provide the remainder of your contractual deposit.
A completion date will then be agreed, monies will be transferred to the vendors solicitor and once cleared we will hand over the keys to your new home!
Step 8:
Stamp duty and completion:
Stamp Duty is the government tax you pay when you purchase a property in the UK over a certain price. For further details please refer HMRC website.
