Buying with Eversley

Before you start searching for properties, it's important to understand what you can comfortably afford.

• Review your finances and savings.
• Consider your deposit and additional buying costs.
• Speak with a mortgage adviser to obtain an Agreement in Principle (AIP).
• Set a realistic budget for your property search.

Having your finances in place will make you a more attractive buyer when you find the right property.

Once your budget is confirmed, it's time to begin your search.

• Identify your preferred locations.
• Consider your must-have features and requirements.
• Register your details with our team to receive updates on suitable properties.
• Arrange viewings for properties that meet your criteria.

Our experienced team can help match you with properties that fit your lifestyle and budget.

Property viewings are your opportunity to assess whether a home is right for you.

During viewings, consider:

• Property condition and maintenance requirements.
• Room sizes and layout.
• Local amenities and transport links.
• Potential renovation or improvement opportunities.
• Energy efficiency and running costs.

Take your time and don't be afraid to ask questions.

When you've found the right property, we'll help you submit an offer to the seller.

Your offer may be influenced by:

• Current market conditions.
• The property's asking price.
• Comparable local sales.
• Your buying position and mortgage arrangements.

Once an offer is accepted, the legal process begins.

A solicitor or conveyancer will manage the legal aspects of your purchase.

They will:

• Review contracts and legal documentation.
• Carry out property searches.
• Liaise with the seller's solicitor.
• Manage the transfer of funds.
• Ensure the transaction progresses smoothly.

If you're purchasing with a mortgage, you'll now complete your full mortgage application.

Your lender will:

• Assess your financial circumstances.
• Arrange a property valuation.
• Issue a formal mortgage offer if approved.

It's important to provide any requested documentation promptly to avoid delays.

Although a mortgage valuation may be carried out, buyers often choose to arrange an independent survey for additional peace of mind.

A survey can help identify:

• Structural issues.
• Damp or roof problems.
• Maintenance requirements.
• Potential future repair costs.

Your solicitor will also conduct the necessary legal searches.

In Scotland, the legal agreement becomes binding once missives are concluded between the buyer's and seller's solicitors.

At this stage:

• The purchase price is agreed.
• The completion date is confirmed.
• Both parties are legally committed to the transaction.

As your completion date approaches, it's time to get organised.

• Arrange removals and packing.
• Notify utility providers and service companies.
• Update your address with banks and other organisations.
• Arrange buildings insurance if required.

Good preparation helps ensure a smooth move.

On the agreed completion date, funds are transferred and ownership officially passes to you.

Once everything is finalised:

• Collect your keys.
• Move into your new home.
• Begin enjoying your new property.