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For all those questions you didn't want to ask out-loud.
Before you begin your property search you need to know your budget. What you can you realistically afford to spend? How much of a deposit do you have available or can you afford to save? However don't worry our trusted financial advisers can help you with all of this!
Back to TopBefore making an offer, you should speak to your financial adviser about applying for a Decision In Principle. We will do this by searching the market for the most competitive deal for you.
Back to TopCompletion time can vary depending on circumstances, however it generally takes between 8-12 weeks.
Back to TopStamp duty is applicable on any purchase over £125,000. Check out the link to the HMRC website below for rates:
Residential Property RatesProof of deposit is required for the mortgage application. However the funds won't be requested until the solicitor finalises a completion date.
Back to TopYour financial adviser will discuss your need for insurance based on your individual needs.
Back to TopYour solicitor and the vendor's solicitor will work together to find a completion date that works for both parties.
Back to TopYour solicitor and the vendor's solicitor will decide on an appropriate date.
Back to TopYour solicitor will confirm your date and collection point for key pick up.
Back to TopYour mortgage lender retains your title deeds, until such time as you are mortgage free.
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