Moving to a new home

Whether you are selling for the first time or are an experienced home mover, I offer a service dedicated to your needs and requirements.  I know that there are many considerations to make before you commit to selling your home and moving on; I'm here to help you every step of the way. 

Mortgage lending criteria are constantly changing, and it may have been some time since you last reviewed your mortgage options.  Therefore, it's important to take advice before getting serious about your move.  My aim is to put you in the best position to proceed once you receive an offer on your own property and are ready to make an offer on your new purchase.

I will help you understand all of the costs associated with buying and selling your property and when you need to pay them.  This could include;

• lender charges
• the broker fee
• protection costs for your mortgage, yourself and your property
• solicitors fees
• estate agency fees
• energy Performance certificate
• survey fees 
• stamp duty/government taxes

You will also need to know how much your property is worth and what estate agency fees will be payable.

Instructing the right professionals to assist with your sale and purchase is essential.  I can put you in touch with a solicitor, which will allow me to have greater oversight of the purchasing process.  The solicitors also have a duty to protect your interests so they will investigate the legal aspects of the property.  It is highly beneficial to choose a solicitor in advance in order to budget precisely what you are going to spend from the outset.

* Conveyancing is not regulated by the Financial Conduct Authority.

Everyone has different needs and requirements for their next move, and I can help make sure your experience is as stress free as possible.  Selling your current home and finding the right property to move to can take some time, and there will be important decisions to make along the way. I will support you throughout the process and be on hand to answer any questions. 

Once you have sold and found your next property, I will submit the full application to the mortgage lender with all supporting documentation, details of the property you wish to purchase and the solicitor you will be using.  The mortgage lender will review your application and carry out the necessary checks to satisfy their lending criteria.  Once all checks have been completed and a satisfactory survey received, the lender will produce your mortgage offer.

Once your solicitor has carried out all of the necessary searches on your new property, solicitors from both sides will be getting ready to exchange contracts.  Depending on how many people are involved in the chain this may take some time for all parties to be in a position to proceed. Make sure you have your buildings insurance in place for exchange of contracts (I will have already discussed this with you during your first appointment).  These contracts are legally binding, so make sure that you are prepared to go ahead.

You may need to book a professional removal firm to help you move.  You should also contact the utilities companies in advance to make sure that you have gas and electricity, and a phone/internet connection ready for when you move into the property.  Make a start on the list of companies you will need to inform of your new address, you may also need to ask the Post Office to redirect your mail. 

On completion, all funds will have been released to the relevant parties, and you will get the keys to your new home!  

Your first mortgage payment should leave your account about a month after you move in. This first payment may be more than your standard monthly repayment depending on when you complete and your payment date.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE