Home Movers
Wether you’re taking the next step on the property ladder or perhaps you’re moving for work or family. Whatever the reason we’ve got you covered, have a look at our straightforward guide to find out what’s involved.
Contact an estate agent
Time to get your house on the market, your estate agent will guide you through this process in detail and recommend a market price for your home. Once you have had some viewings you’ll receive an offer, now you know what your budget is and you’re in a position to put an offer in on a home you love.
Complete your mortgage application
We can introduce you to a solicitor or you can use your trusted local firm, either way, once the offer is accepted it’s time to choose and instruct a solicitor.
Mortgage Offer
Shortly after the mortgage lender’s valuation comes back as satisfactory, you’ll receive your mortgage offer, which is sent straight to you, your solicitor, and your broker.
Exchange of contracts & completion
You will agree on a date for the exchange of contracts and for completion (i.e. move-in day). It’s a good time to start sorting out your internet, moving vans, etc. See our moving checklist for a handy guide. Your deposit will be sent to the seller’s solicitor, along with the signed contract. You are now legally bound to the purchase. All relevant insurance contracts should now be put into force such as building and life cover.
Find out how much you can borrow
Get in touch for a free initial consultation and we can discuss your current circumstances. Once we’ve done this, we’ll tell you how much you can borrow and provide a decision in principle certificate. Because we’re a whole of market brokers, you can be confident you have an accurate figure.
Find a solicitor
We can introduce you to a solicitor or you can use your trusted local firm, either way, once the offer is accepted it’s time to choose and instruct a solicitor.
Mortgage valuation
The mortgage lender will arrange this valuation, which merely confirms to them that the property is worth what you are paying for it and meets their criteria. It will not give details on the condition of the property, if you want a detailed survey you will need to book a separate buildings survey.
Conveyancing process
This may have already begun but most firms wait until they have the mortgage offer. This process will confirm everything is legally sound and check there’s nothing that will cause you detriment once you have bought the property. It’s the solicitors that will be the go between for everyone in the chain and agree on dates.
Moving day
Time to move, on the day of the move you will be picking up the keys from the estate agent. This can be any time until 5 pm as the solicitors need to authorise the estate agents to release the keys.