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Buying a property

 
 
 
 

The buying process explained, step by step

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 new home.

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; after all, this is going to be your new home. There are a number of factors which affect a buyer’s choice of a property such as: budget, the style, size, location, local amenities, schools and transport links.

Once you have a found a property, estate agents will 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 step by step guide to help you through the buying process.

Setting your budget

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.

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. Independent financial advisors and mortgage brokers 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. For free impartial mortgage advisor and financial planning, you can speak to one of our independent financial advisors on 03330 433 633.

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; after all, this is going to be your new home. There are a number of factors which affect a buyer’s choice of a property such as: the style, size, location, local amenities, schools, transport links. 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 are new to buying properties or if you are an experienced buyer, our sales team are available to help with any queries you may have. You can start your property search today by clicking here.

By registering your property search with us, you will receive a sneak preview of our latest properties, 24 hours before they are launched on the major property portals, such as Rightmove and Zoopla. You can register your search online by clicking here and completing a few details about your search, or by calling our dedicated sales team on 03330 433 633.

Viewing properties

Once you have found one or more properties which meet your requirements, contact our offices 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 gain access to the property. One of our team 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. It is important to also get clarification on what is and is not included in the price, ask to the see the Energy Performance Certificate (EPC), also ask questions regarding the property that will affect your 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.

You can book viewings online, by selecting the “book viewing” option inside any available properties when you are searching online, or by speaking with a member of our team by calling 03330 433 633.

Securing your chosen property

Depending on the buyer interest, properties can go under offer quite quickly, so if you see the perfect property, you may have to act quickly to secure it. We recommend always being prepared with the relevant documents such as a form of identification and confirmation of your address. You will be required to confirm your offer to us, outlining any conditions you may have, and confirming some details about your position, such as how you are purchasing the property or how any other parties may be connected to the sale on your side, making up the chain. Once this has been completed, we will be able to approach the seller on your behalf. Should your offer be accepted, we will require details of your solicitor or licensed conveyancer, who will be acting on your behalf during the sale.

We strongly recommend that you arrange which solicitors or conveyancing company you will be using for buying your chosen property prior to making your offer. By appointing an efficient and experienced solicitor the process of buying will be quicker and smoother. The buyer’s solicitor or conveyancer examines the legal documentation for the property and raises questions in order to approve the contract of the sale. Don’t worry if you don’t have one, as we have a trusted panel of local and national solicitors and licensed conveyancers we have worked with over the years.

Property survey

There are three main types of survey which you can choose when purchasing a property. A valuation report, a homebuyer’s report and a full structural 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.

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.

Completion and moving day

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

Our team will be regularly updating you throughout the whole process and you will be looked after by one person (normally the person that agreed the offer for you at the start).

If you want to remove any element of stress from the day contact your local branch and ask for support with services such as their recommended removal company to help pack, move and unpack your belongings quickly and carefully or if you need it, any other assistance you may need during the process.

9-11 High Street Hampton TW12 2SA United Kingdom (033) 3043 3633 email (020) 3725 3022 Hampton TW12 2SA, Surbiton, Surrey, KT6 7AB

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What our clients say about us

  • " Excellent. Staff very helpful, professional and go out of their way to assit in every way. I have used Jezzards for selling and letting and cannot fault them. "

    Anonymous November 2019
  • " Jezzards provide a really good, personal service with Dorothy getting my gold stars for timely updates and an excellent response to any enquiries. The best letting agency I have dealt with in the last ten years. "

    Anonymous November 2019
  • " We’ve just sold our one bedroom flat in Surbiton. The team at Jezzards we’re great. Responsive and helpful. Thanks to Gaj, Victoria and their colleagues who helped. We would use them again "

    Tomas November 2019
  • " We saw several agents before signing with Jezzards. From the outset they were personable, professional and their market knowledge was excellent. Since starting the process every employee I have encountered has been really proactive and kept us fully informed. A brilliant service and worth the fee. Thank you. "

    ES, Hanworth October 2019
  • " Rated high with very good reason. Great customer service, pricing thoroughly researched for both buyer and same, no hard sale, professionalism from all members of staff exceptionally high, as was the photographer who took photographs of my property. I felt I could trust them, Victoria listened to personal concerns and was able to assuage fears drawing on years of personal experience. Quick to respond to queries on different communication platforms. They are a team to be strongly recommended. Sales team are extremely respectful, and were keen to find out as much about my property as they could. "

    Anne, Hampton October 2019
 
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