Buying a property doesn't need to be as stressful as people believe. At Jezzards we understand that buyers have needs and those needs are to find their dream home. For us to do this successfully we believe that taking that little bit more time to fully understand your needs is vital to make the whole process a lot less stressful for everyone involved. We appreciate looking for a property can be very time consuming which is why we have designed our website and technology to be more effective and easier to find your dream home. With our My Jezzards login page on the website to keep track of your favourite properties, book and check your viewings and keep up to date with all your property needs. We have also introduced Jezzards Locate which is a unique feature to our interactive boards.

Estate Agents have to work with a number of different companies to facilitate a house move. From solicitors to surveyors, trades people to mortgage companies. Its understanding how these different facets come together that can oil the wheels of any potential purchase. This is why we work with our customers and their needs as well as working with the professionals to make the whole process seamless. Whether this is your first home purchase or you have bought before we have designed a 10 step by step guide to help you through your buying process

 

Budget	Mortgage	Your Property Search
Viewing Properties	Solicitors and Conveyancers	Your Offer
Survey	Exchange of Contracts	Completion

Buying a property is most likely to be one of the largest transactions you will ever make, so it is important that your calculations are thought about before you start to make sure they are correct. Every buyer works to a budget, whether you're looking at studio flats or a family house you'll need to create a budget to determine the properties available within your price range. To conclude this budget you will need to take into consideration your income, savings you wish to use and if appropriate, any cash you plan to use from the sale of your existing property (equity). There are also other factors that are essential to take into consideration that are involved in buying a property such stamp duty, conveyancing, searches, land registry and surveys.

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Step 2 - Mortgage

Whether you are a first time buyer applying for a mortgage, re-mortgaging or securing a mortgage for an investment property, it is best to speak to an independent expert who will be able to guide you towards the right provider and mortgage that suits your individual needs. Mortgage advisors will take into consideration your personal circumstances, your plans for the future, the lending criteria set out by the banks and building societies and then source the best options from across the whole of the mortgage market that meet your requirements. By arranging the right mortgage for you from the outset will determine your budget and will put you in a strong negotiating position when you find your perfect property. It is best to have an agreement in principle before you start your search to avoid disappointment.

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Step 3 – Your Property Search

It is important that you start to consider your basic requirements before you start your search. It will help you narrow down exactly what you are looking for from a property; afterall, this is going to be your new home. There are a number of factors which affect a buyers choice of a property such as: the style, size, location, local amenities, schools, transport links

 

Location	Some local towns can cover vast areas. Although the property may be in one of your favourable areas, is it located near to the amenities which are important to you such as local school catchment areas, transport links, shopping, and local amenities. At Jezzards we have tried to help you simplify the process by including some of the more common key features within our property detail pages.
Budget	You need to consider what you are prepared to pay for the right property? It us best to speak to an independent mortgage broker before you start your search to get an agreement in principle from your potential lender. This will put you in a much stronger position when negotiating an offer.
Style and Size	Most people have a preference of the style, age, interior decoration and finish to properties they are looking for. This could also include the need for outside space, parking or even the minimum number of bedrooms you require.

 

By doing a little research beforehand you will be able to see if you are may be required to compromise on any of your search requirements beforehand. Whether you have begun your search online or in the office of your estate agent, once you have found one or more properties which meet your requirements, a sales consultant will take you on viewings so you can see the property in person. Whilst on the viewing be sure that you inspect the property thoroughly for space inside cupboards and wardrobes for storage space but remember if the property has an occupier you should respect personal property and ask before delving into cupboards. If you notice any maintenance issues whilst on the viewing, be sure to make us aware prior to making your offer so that we can confirm the situation with the vendor. Do not be afraid to ask questions which could affect your comfort, such as the availability of satellite, cable or even broadband availability.

 

Every vendor is required to provide an Energy Performance Certificate (EPC) for any  property they are looking to sell. This certificate gives the property a rating based on such factors as loft insulation, double glazing, boiler age, efficiency etc and more, and is valid for 10 years. The level of energy efficiency of the property will affect your energy bills so it is worth checking this out.

 

By creating an online account on My Jezzards, you can be sure that when a property to sell comes on the market you'll be one of the first to see it. Our staff are trained to keep up with the trends of the local markets, so we will be able to advise you on how to get the most out of your money in the location of your choice.

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Step 4 – Viewing Properties

Once you have found one or more properties which meet your requirements, contact the agent to arrange the viewings, we recommend that you contact the office several days prior to your preferred day as diaries do get full and you do not want to get disappointed if the agent can not fit you in or cannot get access to the property.

A property consultant will take you on viewings so you can see the property in person. This will build up a better perspective of what the property is like to live in. By visiting the property at different times of the day you get to see where the sun lies in the garden and the parking arrangements It is important to also get clarification on what is and is not included in the sale price, ask to the see the Energy Performance Certificate (EPC), also ask questions regarding the property that will affect your buying decision. 

After the viewing providing feedback to your estate agent will help them gain a stronger understanding of what your needs and requirements are in order to find the best property for you.

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Step 5 – Solicitors and Conveyancer

We strongly recommend that you arrange which solicitors or conveyancing company you will be using for your buying transaction prior to making your offer on a property. By appointing an efficient and experienced solicitor the process of buying will be quicker and smoother. The buyer or their solicitor or conveyancer examines the legal documentation for the property and raises questions in order to approve the contract of the sale.

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Step 6 - Your Offer 

Once you have found your ideal property and you wish to submit a formal offer to the agent ensure that you think about your offer carefully. Consider how the property compares with others you have seen, how well it meets your requirements, your budget, competition from other interested buyers, and consider what would happen if your offer is not accepted. There is a common misconception that you should not pay the asking price but this depends on the property. There are many examples of property selling at or above the asking price where there has been strong interest from lots of other buyers. 

We may ask you to show proof that you are able to proceed on the sale if agreed, this could be by providing evidence of your mortgage “agreement in principle”, your property consultant contacting your mortgage broker or our independent mortgage consultants may contact you to qualify your affordability. After your offer has been accepted, you and the seller of the property will provide your property consultant with your solicitors or conveyancers details so the sale memorandums can be drawn up and sent to both solicitors or conveyancers, the seller and yourselves. There are no legal obligations on either side until contracts are signed.

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Step 7 – Survey

 

Once your survey has been conducted you will receive a Mortgage Offer from your lender which finalises the details of the loan you are borrowing. You and your solicitor or conveyancer should check this carefully. At this stage your mortgage lender may ask you to show proof of life insurance, this may be a covenant on your terms of your mortgage.

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Step 8 – Exchange of Contracts

The exchange of contracts is the legally binding part of the process. This is when you will be asked by your solicitor or conveyancer to organise the hand over a deposit which has been arranged (this is normally around 10% of the agreed purchase price, although please check with your solicitor). Once the deposit has been received contracts are exchanged at this stage a date for completion is agreed once this is conducted both parties are now legally bound to go through with the transaction.

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Step 10 – Completion and Move In Day

On this day the balance of the monies are transferred via the banking system. Once the monies are showing in the sellers solicitor or conveyancers banking system you will be able to collect the keys for the property.

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Our staff will be pleased to discuss any of the stages with you in more detail. If you would like further information, please contact:

 

Sales Department

Tel:  

or email: