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WELCOME TO COWING & PAYNE
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    Moving home is not complicated but it can be a daunting prospect and we recognise that you home is probably the largest single investment you will ever make. 

    Buying and selling property is a very people orientated business and good communications are essential for a successful move. In recognising this we employed an experienced sales team. Our team of property specialists are very knowledgeable and genuinely committed to service with a personal touch. 

    All our staff are excellent communicators and are focused on providing the highest levels of care and attention throughout the entire moving process.

    We offer the widest range of property services, all under one roof,and will always strive to achieve the best price for your property without being unrealistic. 

    Our aim is simple: to provide the best possible service, assist you from start to finish and communicate regularly throughout the whole process- whatever your property matter. 
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SELLING - OUR SERVICE TO YOU.
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    1,Free Market Appraisal 
    If you are thinking of selling your home, this FREE service will help you understand your home's current market position. We provide you with up-to-date information on recent sales of comparable properties in your area so you make an informed decision. An accurate market price of your property's value creates competition and intense buyer interest.
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    2, Web Advertising 
    Your property will be instantly available on our cutting edge website - cowlingandpayne.co.uk. Your details will be automatically sent to relevant applicants and also loaded onto all our web-site portals, Right-move, Zoopla, Prime-location and more!  
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    3, Contactable 7 Day's A Week
    A Large number of estate agents close their offices on Saturday lunchtimes and re-open Monday. But we can be contactable 7 Days a week, including bank holidays. 
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    4, Window Displays 
    The benefit of a good window displays in busy locations should not be underestimated in their ability to catch the eye and draw in potential buyers, Our office is located in the heart of Wickford High street with an impressive full LED window display, illuminated 24 Hours a day.
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    5, Professional Photography 
    First impressions count and the first thing potential buyers see before they even pass the front door is the photographs of your property. We spend time, use professional cameras and skilled photography to capture the best pictures that will make your home sell quickly. 
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    6, Impressive Full Colour Details 
    Your property will have its own sales details, designed to be eye catching and aesthetically pleasing. This come complete with floor plans and the high quality photography that showcases your property and truly does it justice. 
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    7, Distinctive 'For Sale Boards' 
    These are an invaluable marketing tool clearly identifying a property and frequently generating interest for a potential buyers that had not previously considered a move. Our distinctive For Sale boards are extremely prominent throughout Wickford and surrounding areas.  
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    8, Unique Negotiation Service 
    We are willing to negotiate on your behalf the price of your next home to try and save you money. 
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    9, Feedback & Contract 
    As a Customer focused firm our number one priority is to keep you constantly updated on the marketing progress of your home. We endeavour to give feedback within 24 hours after every viewing. 
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    10, Prominent Office Location 
    Our well located office can be found in a prime location in Wickford town centre. Visit us today! 
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    11, Accompanied Viewings 
    Accompanied viewings are offered, if required, to all of our clients whether the property is vacant or occupied.
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    12, Sales Progression 
    Once we have sold the property, our service doesn't stop there. We will regularly progress your sale and keep you informed of events as they occur, thereby resolving any problems that may arise at an early stage. Our job is not done until the key are handed over. 
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BUYING 
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    Cowling & Payne recognises that the purchase of your home is the most important and expensive transaction you are likely to undergo.

    To enable you to unravel the complexities of buying your home, we have set out below an overview of the various procedures involved:

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    Registration
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    First you will need to register your details and property specifications which can be done in a number of ways including email, fax, telephone or in person by completing our registration form. This will give us an insight into your personal requirements and therefore enable us to tailor the details sent to you.

    Once registered, you are then in a position to receive details from us directly in person, via mail, email or download and print these from our website. We also offer an SMS text service direct to your mobile phone.

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    Viewings 
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    Our friendly team are available to arrange those all-important viewings of your selected properties. Our offices are open 6 days a week as follows:
    Monday - Friday 9.00am - 6.00pm Saturday 9.00am - 5.00pm
    Please contact us to arrange a mutually convenient time: 01268 730707
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    Mortgage
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    In order to speed up your house buying process, it is advisable wherever possible; to get a mortgage agreed in principle before any final decision on your new property is made. This has the advantage of providing you with a clear indication of what is affordable and the fact that you have a mortgage agreed in principle is also attractive to sellers.
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    Making your Offer
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    Once you have located your ideal property, your offer will be submitted by us to the vendor for their consideration. This is done both verbally and in writing.

    NB: Please note that all offers are "subject to contract" and therefore neither party is legally bound until you have actually signed and exchanged contracts.
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    Accepted Offer / Instructing Solicitors
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    As soon as your offer has been accepted by the vendor, you should instruct a solicitor to act on your behalf. Your solicitor will handle all legal requirements of your purchase (property conveyancing).
    At this point, you also need to formally proceed with your mortgage application and instruct your mortgage consultant/broker accordingly.
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    Survey
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    The next step is to obtain the Mortgage Valuation, as required by law. This will be conducted by a Chartered Surveyor acting for your Lender. The report is to provide a valuation, that is, to determine whether the amount to be loaned is secure and also deals with the basic condition of the property. Since you as the buyer are also provided with a copy, it allows both parties to evaluate the findings prior to entering into a commitment to purchase.
    NB: However, we would not recommend that a buyer relies solely on the Mortgage Valuation survey as the inspection is limited and although it may cost a little more to obtain a more detailed report yourself, this could in the long run save you from making a costly mistake.

    There are 2 types of surveys available:



    1. Homebuyer Survey / Valuation
    This is the mid-range option as it is more expensive that the Mortgage Valuation but less than the Building Survey (see below). It is a basic service and therefore more appropriate to properties in apparently good condition and conventionally constructed. The survey's purpose is to highlight any pressing or significant defects and problems which are likely to have an overall impact on the value of the property.
    The objective of the Homebuyer Survey is to provide a more in depth report which will assist the buyer in making an informed decision, whether to proceed with the purchase and also whether the agreed price reflects the actual value. Moreover, the professional opinion of the surveyor as contained in his report will also set out particular features of the property which may possibly have an effect on the present value and potential future marketability.



    2. Building Survey
    Unlike the Homebuyer Survey, this is suitable for all types of property whether conventional or unconventional. The term "unconventional" encompasses properties that have an unusual construction, are historic or Listed Buildings, have been extensively altered or where major work is planned. The Building Survey is comprehensive and lists full technical details of the construction, materials and condition. It highlights the full spectrum of defects from the more serious down to the insignificant and the terms of the survey are therefore tailored to fit the client's specific needs.

    However, it should be noted that this does not include a valuation and is only conducted by prior agreement.

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    Searches
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    These are conducted by the buyer's solicitor who submits a local authority search to the local borough council. Its purpose is to ascertain if there is any planning consented previously granted on the property or if there are any other local issues which may have an impact on the purchase. In some instances, the search may also include an Environmental and Drainage search.

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    Draft Contracts
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    The draft contract is drawn up by the seller's solicitor and is forwarded to the buyer's solicitor for consideration. Any additional queries or questions will be asked and answered and the contract amended accordingly, subject to final approval.

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    Mortgage Offer
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    The Lender is now in possession of the Mortgage Valuation survey and, subject to the findings of this report; receipt/approval of the mortgage application and provided all references and checks have been conducted satisfactorily, the Lender will send a formal mortgage offer to the buyer and their solicitor. The document is then signed and returned and funds requested by the buyer's solicitor.

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    Exchange of Contracts
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    Once the contract has been signed by both parties, a deposit (normally a small percentage of the purchase price) is paid by either bank transfer or banker's draft. At this stage, the parties agree on a date for completion.

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    Completion
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    Completion usually follows a few days or weeks after exchange of contracts. The balance of the purchase price is transferred by the buyer's solicitor to the seller's solicitor and the keys released - Congratulations! You are now the owner of your new home!

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    Where we're active

    Our Branch

    Our Branch

    Current Properties

    Recently Sold Properties

    Note: Markers represent the centre of postcodes, not exact locations

    Find us

    2-6 Runwell Road,
    Wickford,
    SS11 7AB

    Telephone us

    Buying: 01268 970102  Local call rate

    Email us

    Contact us

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    Testimonials from Sellers

    • Seller Testimonial

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      Fantastic patient and very attentive staff
      Fantastic patient and very attentive staff from lettings through to sales. Have kept us informed every step of the way through a very difficult sale
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      Very happy with the service provided 
      Very happy with the service provided by Cowling & Payne. It took a bit of time to find a buyer but this didn't deter Michael's enthusiasm to secure a deal for us - once a buyer was found their sales progression was first class so ensuring a smooth journey to completion - a skill sadly lacking from most estate agents.We would strongly recommend Michael and Cowling & Payne
    • Seller Testimonial

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      Was very pleased with the service
      Was very pleased with the service I received especially, as a couple of the initial sales did not go ahead. Michael and his team were pro-active when this happened and remarketed the property in a timely fashion. They had followed up with the solicitor and knew what was going on.I did look at online services but felt Michael at Cowline & Payne knew the Wickford market better and also I didn't like the lock in clause on costs with the online provider.
    • Seller Testimonial

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      Extremely friendly
      Extremely friendly and competent team, that understands the housing market, and kept cool and calm in the heat of the moment.
    • Seller Testimonial

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      Professional with that extra personal touch
      Cowling & Payne, Professional with that extra personal touch.Michael, Emily and James were excellentThe team were always available consistent and acted at all times with regards to my wishes. When the sale had been agreed I was kept informed the whole step of the way. Selling and buying is a stressful process but they took my hand and lead me through.I would have no hesitation in recommending this company, and the personal service they offer.Thank you all for the new life you have given me.
    • Seller Testimonial

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      commission rate was very reasonable
      I listed my property with Cowling and Payne for sale after speaking with Michael. I felt that their commission rate was very reasonable compared to some of the multinational agents and that they had more knowledge of the area. Compared to what online only agents were offering I found the commission to be more value for money as they showed prospective buyers round instead of us handling the viewings.Within a couple of days of the photos being taken the property was on rightmove with numerous viewings booked. Even though there was a lull in the market due to Brexit we still managed to get viewings and accepted a bid that was mpre than we were hoping for. All the staff there were friendly and kept us updated every step of the way making selling our property very stress free. I cannpt recommend them enough

    Testimonials from Buyers

    • Buyer Testimonial

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      incredibly helpful throughout
      Both James and Emma were incredibly helpful throughout the purchase procedure of my Runwell property. It made the stress of moving a little more bearable. Thank you!
    • Buyer Testimonial

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      smooth process
      We recently sold and bought a property through cowling and payne - Emily and Michael gave us an excellent service and a smooth process
    • Buyer Testimonial

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      Great job guys
      Just completed on our brand new home we are so pleased !!! ðY¤-ðY¤-Can't thank Cowling Payne enough for all there hard work had a few delays being a new build but I just wanted to say how helpful and professional Michael and his team were Great job guys
    • Buyer Testimonial

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      Very impressive and excellent service
      Due to being my first time getting on to the property ladder, I didn't have much of an idea of what was fully entitled and what was needed. Fortunately for me, when contacting the staff at Cowling & Payne they was always very helpful and on hand to answer any questions that I had. From the very start the staff listened to what requirements I was looking for in a property, all the way to the very end of finally completing, keeping me and my partner updated all the way up to collecting the keys. Very impressive and excellent service, thank you so much to all the team!
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    Disclaimer

    The content on this Microsite has been uploaded by Cowling & Payne, Wickford- Sales. Rightmove Group Limited makes no warranty as to the accuracy or completeness of the content, any queries should be sent directly to Cowling & Payne, Wickford- Sales. Where properties are displayed on a page, this comprises a property advertisement. Rightmove Group Limited who operate the website Rightmove.co.uk makes no warranty as to the accuracy or completeness of the advertisement or any linked or associated information, and Rightmove has no control over the content. These property advertisements do not constitute property particulars. The information is provided and maintained by Cowling & Payne, Wickford- Sales. Please contact the agent directly to obtain any information which may be available under the terms of The Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 or the Home Report if in relation to a residential property in Scotland and if you have any query over the content.

    *Guide Price: An indication of a seller's minimum expectation at auction and given as a “Guide Price” or a range of “Guide Prices”. This is not necessarily the figure a property will sell for and is subject to change prior to the auction.

    Reserve Price: Each auction property will be subject to a “Reserve Price” below which the property cannot be sold at auction. Normally the “Reserve Price” will be set within the range of “Guide Prices” or no more than 10% above a single “Guide Price.”

    Auction Fees: The purchase of this property may include associated fees not listed here, as it is to be sold via auction. To find out more about the fees associated with this property please call Cowling & Payne, Wickford- Sales on 01268730707.