28 July 2021
Congratulations! You have just reserved your new home. It is a thrilling time and it can be very easy to get caught up in the excitement. So before you pour out a celebratory glass of something sparkling, there are a few more steps that need to be followed to ensure you can fully celebrate and have a seamless ‘move in’ experience with as few glitches as possible.
- Arrange your mortgage.
If you have not already, it is imperative that you secure a formal mortgage offer from your lender. Obviously, without this, it is impossible to go through with the sale. Make sure you have your proof of income or accounts if you are self-employed and a copy of your credit report from a credit reference agency such as Experian or Equifax.
If you’re struggling to find the right mortgage deal, or you don’t know what you’d be eligible for or how much you can borrow, it might be a good idea to enlist the help of a mortgage broker who can help you through the application process.
- Hire a solicitor or conveyancer.
A conveyancer or solicitor is someone who will handle all the legal aspects of buying or selling a property for you. A good one will keep you regularly updated on progress and support you through a potentially stressful transaction. They will deal with the legal contracts, provide legal advice, complete legal searches (enquiries) with various authorities that hold information about the property and land it sits on, deal with Land Registry and transfer funds to pay for your new home.
- Exchange contracts
Once you have put down a deposit and a formal offer for a mortgage has been received and your solicitor/conveyor is happy, you can proceed to exchange contracts. This stage means you are now legally committed to a property. Agreeing on a completion or move in date will help you plan the next steps.
- Start packing up your belongings.
This is perhaps the easiest, but most stressful part. Ensure you have moving companies booked early as finding a moving company last minute can be difficult.
There are lots of websites that have useful reviews of removal companies, helping you to find the right one for you. Which? Trusted Traders is a great website for finding reliable local tradesmen, including removals companies.We have also compiled some of our top tips on moving homes that can save you some time and hassle here.
- Make yourself a cuppa
Last but not least, take your coat off and pop the kettle on. You can now put your feet up and settle into your beautiful new home, regardless of how many boxes might be lying around you. Purchasing and moving homes is not easy, but with the right people around you it can be made as smooth as possible.
At Wheatcroft homes we take pride in our personal, friendly approach. We are committed to delivering excellent levels of service that exceed our customer’s expectations, with our Managing Director Catherine personally dealing with and meeting all prospective purchasers, from their first enquiry to long after she’s handed over the keys to their new home. Contact us by filling out an enquiry form or sending us an email to email@example.com