Toggle menu

 

jezzards property search
03330 433 633
Lines open 24 hours

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.

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 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.

Your 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.

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 buyers choice of a property such as: the style, size, location, local amenities, schools, transport links.

we have designed our website and technology to be more effective and easier to find your new home.

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 cannot get 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 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.

Solicitors and Conveyancers

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.

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 will 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”, 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 us 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.

Property survey

There are three main types of survey which you can choose when purchasing a property. A valuation report, a homebuyers 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 sellers solicitor or conveyancers banking system you will be able to collect the keys for the property.

 

 

Free Instant sales valuation

Whether you are ready to sell your property or if you are just curious as to what value your property might achieve in the current market, our online valuation tool will give you an instant estimated value of your property. For a more accurate property valuation, based on our local market knowledge, you will also be given the option of scheduling a free, no obligation market appraisal with one of our team of trained property professionals.

 

 

Why choose Jezzards

Whether you are buying, selling, renting or letting, you couldn’t have made a better choice than Jezzards.

But don’t just take our word for it; Customers review our services on the independent review site Feefo, where you can see what we are really all about. 

 

So whether you are thinking of selling your property for the first time or you're an experienced seller looking for a new estate agency service, please get in touch to discuss your requirements.

Remember, should you ever need to contact us, our customer service centre is available for you, 24 hours a day, 7 days a week on 03330 433 633.

 

What our clients say about us

  • " Jezzards managed to let my property within four day's of commencement of marketing activity. I found both Sam and Tiernan to be proactive, professional and approachable, and the impression I have garnered is that one will be in good hands with this company. These are the first agents I have used that employ professional photographers, which I found impressive and is in itself symbolic. In short, so far so good. "

    Gideon, Feltham April 2018
  • " I was provided a thoroughly professional service throughout, kept up to date and consulted on every aspect of the marketing of the property, the viewings and feedback, the offers and all the way through to the sale of the house itself. I found everyone I dealt with to be friendly, courteous and highly professional including Tiernan and Abigail who were active in the sale and especially Lowen who was always an absolute pleasure to talk to and who did a fantastic job on securing the sale on the house at a price I was very happy with. I would have absolutely no hesitation in recommending Jezzards and was extremely thankful to them for dealing with everything so well in what was a difficult time personally. "

    Rob, Hampton April 2018
  • " I found Jezzards Estate Agents incredibly professional and their service outstanding, in particular Abigail Ramsey whom I dealt with. Their advertising is of very good quality and it includes the virtual tour which is an excellent addition to the photos and the floor plan. The whole process was very smooth and I was being kept informed and updated on a regular basis. I would highly recommend Jezzards to anyone looking to buy or sell a property. Their professional attitude, friendliness, very personal and attentive approach together with a great knowledge of the market makes them one of the best agents I’ve ever dealt with. "

    Edyta April 2018
  • " I am really happy with my experience with jezzards. They done everything within their power to ensure my property was rented.. this included over 25 viewings attended by sam or tiernan. Great job "

    Benjamin, Ashford March 2018
  • " Excellent customer service, all staff very helpful polite and professional at all times, I would highly recommended Jezzards as an estate agent ! "

    Sandra March 2018
 
model