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Checklist provided by Useful articles: |
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Carry out your mortgage research and find out how much you can borrow. | |
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Write a list of your property ‘needs’ as well as a ‘wish’ list (you are likely to have to compromise on something! | |
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Research the market to find areas and property types you can afford/you like. | |
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Budget for the cost of your move AND for the costs of living in your new home. | |
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Make sure you have enough saved for your deposit and moving costs. | |
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Choose a legal company that will help you through the purchasing process (and not ignore your calls!) | |
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Research the local Estate Agents, newspapers and walk around different streets/areas to find properties you might like to view. | |
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Identify and brief the agents about the property you want to buy. | |
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Carry out viewings, making sure you check on the property’s condition as well as working out how much you would like to live there. | |
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Visit the property several times, taking notes of things that need doing, from sorting any bare wires, to having any cracks checked out. | |
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Work out what you think is a fair offer for the property. | |
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Make an offer via the estate agent, you can call, email or pop into the agent. | |
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Contact us to find out what to do if your offer is rejected. | |
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Offer accepted, this needs to be followed up via a letter from the agent. | |
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Organise an independent survey, ie not one offered by the mortgage lender. | |
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Finalise your mortgage offer and insurance so your buildings insurance is in place by exchange of contracts. | |
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Manage the purchase of your property via the agent and your legal company. | |
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File all the paperwork carefully - you'll need the paperwork when you come to sell. | |
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Organise your removals/packaging subject to exchange. | |
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Exchange contracts via your legal company. | |
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Organise your change of address. | |
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Complete your purchase and move in! | |
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Pay any Stamp Duty (if required) and check the SDLT forms have been filed with the Land Registry. | |
