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Whether you are an experienced home mover, 1st time buyer or an investor I'm sure we can all
agree that the house buying process can be stressful business! The team at LETS MOVE UK are
committed to ensuring you have a stress free, smooth and enjoyable experience. Below are just a
few pointers to get you started.
1. How much does it cost to get moving even before your mortgage payments start?
Make sure you have budgeted for extra costs such as, solicitor fees, removals and stamp duty
2. How much can you spend?
Think about how much you want to spend on a mortgage every month, I am sure you'd still like a
social life as well as a mortgage! Speak to our dedicated mortgage advisor, he can guide you on the
latest up to date rates and set your mortgage up in place, don't shop until these things have been
organised, we don't want you to be disappointed. Remember, your home may be repossessed if you
do not keep up repayments on your mortgage.
3. Find your property and make an offer.
Talk to us or search our website. We can show you what we have to offer by helping you match your
requirements with a variety of properties we have to offer.
4. Valuation or survey.
You've found the home you want to buy and had your offer accepted. The next step is that your
chosen mortgage lender will need to evaluate the property to establish its value and that the
amount you want to borrow is suitable to lend a mortgage on. You may want a more detailed survey
done for your own peace of mind.
5. The Mortgage Offer.
When your survey has been carried out and the mortgage application has been processed you will
be issued with a mortgage offer. This is a formal document setting out all the details of the
mortgage.
6. Conveyancing.
While you're having your valuation done you need to arrange a conveyancer (a solicitor or a licensed
conveyancer) to complete all the legal work for you. This is one person you can and should depend
on throughout the whole process, so take your time finding someone you feel you can rely on - they
are the key person in making your purchase a reality. Once your conveyancer has completed all the
necessary legal checks, you'll be able to sign the contract. Make sure you're happy with everything
before you sign.
7. Exchange contracts.
A date is set for completion, which everyone is happy with. Between exchange of contracts and
completion, your conveyancer will prepare the document to transfer the legal ownership of the
property to you and also the mortgage deed, they will then arrange for these to be signed in
readiness for completion. On the day of completion the balance of the purchase price is paid to the
seller's conveyancer in return for the title documents of your new home.
8. Get your keys!
On the day of completion the property becomes yours and you can collect the keys.
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Purchasers