Buyer's Guide

Our step by step guide to buying your perfect property
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1. Determine what you can afford, arrange your mortgage

Before you begin your property search, it is advisable to arrange your finances and, if required, have a mortgage agreed in principle. This will confirm how much money you will have to fund the purchase, which will ultimately influence your property search. We have financial advisors we can recommend that meet the same high standards of service we expect you to receive at JD Property.
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6. The legal process

Once your offer has been accepted, we will prepare a Memorandum of Sale which confirms the purchase price and any agreed terms/conditions. This is sent to all parties involved and most notably introduces both parties’ solicitors which in turn gets the legal process started.
The seller’s solicitor then prepares and sends out a draft contract to your solicitor which in turn allows your solicitor to commence any required checks and searches. Unlike some agents, we are not of the view that our hard work stops once the deal is in the solicitors’ hands. We work with all parties throughout the process to manage the deal to exchange and completion, keeping you fully informed every step of the way.

2. Register with us

The first step to securing a property will be to register with us. Call us, send an enquiry via our website or visit us in branch, full details can be found in the Contact section of our website. Whichever method you choose, we will discuss your search in more detail to gather as much information as possible to enable us to find you your perfect property Register

7. Survey and mortgage offer

A survey of the property will be booked by a surveyor on behalf of the mortgage lender to identify any structural problems and advise on the property's value. After the mortgage valuation report is received, a formal mortgage offer will be sent to you and your solicitor which you will usually need to sign before it is returned.

3. Find the right property

To find your perfect property, take some time to think about what is most important to you regarding your ideal property. Consider things such as the size of property, location, and what features of the property are essential. We will use state of the art technology to match your criteria to suitable properties and then arrange a time that is convenient for you to view them. To secure a property we would recommend an early viewing. All viewings will be accompanied by a highly trained member of the team that will chauffeur you to your viewings and be available to answer any questions you may have Property Search

8. Exchange of contracts

Once the contract has been signed by both parties the deposit (usually 10% of the purchase price) will be telegraphically transferred or paid in the form of a banker's draft by your solicitor to the seller’s solicitor. The completion date is then set by mutual agreement. Upon exchange, there is a legally binding contract between seller and buyer for the sale and purchase of a property.

4. Find your solicitor

Finding a good solicitor is extremely important in ensuring the successful purchase of your property. It is worth considering which solicitor you will use before submitting your offer to avoid any delays once an offer is agreed. We have solicitors we can recommend that meet the same high standards of service we expect you to receive at JD Property

9. Completion

On the completion date agreed at exchange, the remaining monies (usually 90%) are transferred between the solicitors and completion takes place. Your solicitor will confirm once completion takes place and you will then be able to collect the keys to your new home.
Congratulations, you have just purchased a property!

5. Make and agree an offer

Once you have found your ideal home, the next step will be to make an offer that we will present to the seller stating any special conditions of the offer. You may need to demonstrate, if requested, that you are able to proceed (e.g. provide evidence of your mortgage agreed in principle). Once your offer is agreed you will need to provide us with your solicitor and mortgage broker details. You will now need to instruct your solicitor to proceed with the conveyancing process, and your mortgage broker to proceed with your application.