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User Guide

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BYCHOICE ESTATE AGENTS

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    Bychoice are proud to serve the Haverhill area. The secret to our success is that we refuse to settle for anything less than the highest standards of customer service.

    About us

    Bychoice Estate Agents of Haverhill was the second of our three offices offering a "best in class" service to our clients. With genuine linked marketing between all offices, buyers move regularly between the towns of Sudbury, Bury St. Edmunds and of course Haverhill.

    Since opening we have established ourselves as one of the top agents in the town and continue to grow.

    Integrity you can rely on

    As an established agent, our reputation is paramount. That's why you can trust that Bychoice are committed to being honest and will always look out for our customers best interest. We will never over-inflate a valuation, misrepresent a property or obscure our fees.

    Helping you

    We are well equipped to help and advise you at every stage of your move and our team of local experts have a wealth of experience selling homes in the area and are always happy to help provide you with expert local knowledge whether you are looking to buy, sell, rent or let

    Marketing

    Our marketing plans ensure your property gets maximum exposure locally and nationally. We advertise extensively online, on social media and in the high street as well as the local press and our own Bychoice magazine which is distributed to local businesses.

    Network of 800 agents

    We are the only agent in Haverhill to be members of 'The Guild of Professional Estate Agents' meaning you know you are dealing with a professional company and also that your property will get unrivalled exposure via their network of 800 agents nationwide.

    Get in touch today and find out how we can help you!

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    Bychoice Haverhill
    T: 01440 768919
    E: haverhill@bychoice.co.uk
    W: bychoice.co.uk
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User Guide

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Take the stress out of selling...

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    At Bychoice, we know how stressful the prospect of selling a home can be. This is why we tailor our marketing tools to every individual clients needs to ensure we not only find a buyer for your property, but manage & guide you through the sale process all the way to turning the key in your new home.


    From internet marketing across all major portals, our own website & Facebook, to glossy magazines, high quality photographs & brochures, we've got it covered. With free 'featured property' listings & even an Open House, we ensure you home gets seen by more buyers.


    Call us today on 01440 768919 for more information.    

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    - Free energy performance certificate

    - Multi office network

    - Competitive fees

    - Unrivalled marketing

    - Free 'Featured Property' listing

    - No sale, No fee

    - Dedicated sales progressor

     

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User Guide

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Buying Guide

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    Bychoice have been matching people with properties for nearly 20 years. With our extensive portfolio, we're well equipped to handle almost any need.

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    Why buy your home from us?
    • Because we have intimate knowledge of the local area, making us the ideal source of advice and guidance
    • Because we are fully regulated by The Property Ombudsman, giving you complete peace of mind
    • Because our links to local solicitors, removals and insurance suppliers makes moving into one of our properties a pleasant, stress-free experience

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    The Process
    Buying a property is a substantial, long-term financial commitment, where prior research and preparation will help achieve the most successful and stress-free outcome. The following guide is a brief summary of the steps in the buying process.

    1: Arrange Finances

    2: Prioritise your Property Requirements

    3: Start the Property Search

    4: Arrange Viewings

    5: Negotiate and Make an Offer

    6: Instruct a Solicitor or Licensed Conveyancer

    7: Complete the Mortgage Application Process

    8: Exchange Contracts

    9: Complete the Purchase

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    Finance 
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    Before starting your property search you will need to decide how much you can afford. Calculate your household budget, listing all incomings and outgoings, and review any savings or proceeds from the sale of a property you may with use.

    Additional finance may be required via a mortgage which is simply a loan secured against the property. it is highly desirable to have your mortgage agreed in principle by a lender before starting your search.

    Aside from the purchase price there are other costs in the buying process that may need to take into account.

    For free, professional advice, please call Beth Hillman CeMAP on 01284 630256

    *Your home may be repossessed if you do not keep up repayments on your mortgage*

    Fees may become applicable at a later stage.

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    Buying Costs
    • Mortgage Costs

      1 - Arrangement Fee: generally dependant on interest rates, type and size of the loan

      2 - Valuation/ Homebuyers Report/ Buildings Survey Fee

      3 - Higher Lending Fee or Mortgage Indemnity Charge: usually required if the deposit is less than 10%

      4 - Mortgage Broker Fee: payable is an intermediary arranges the loan; typically 1% of the loan value

      5 - Purchase cost of any life insurance policy

      6 - A small checking fee may be required for a buildings insurance policy not arranged via the mortgage lender

    • Conveyancing Costs

      1 -       Charges for the legal work (local searches and Land Registry fee)

      2 - Stamp Duty Land Tax

      3 - Bank Transfer Fees

    • Additional Costs

      1       - Removal Costs

      2 - Royal Mail Re-direction Fee

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    The Property Search

    The most popular ways to search for property are via estate agents, the internet and property guides. You will find plenty of information regarding each property including photographs, floor plans and general area descriptions.

    Regular communication with estate agents is key to finding the ideal property. Prioritise your requirements such as location and size of the accommodation, as well as transport links and access to good schools and local amenities.

    Arrange to view the shortlisted properties and take a checklist to ask any relevant questions of the seller or the estate agent.

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    Negotiate and Make an Offer
    The estate agent will be pivotal in the negotiating process and will be able to offer advice regarding the seller's position and likely outcome of any offer you wish the estate agent to put forward on your behalf.

    Consider current market conditions, the state of the property, and the position of the seller. Once an offer has been accepted it will be necessary to appoint a solicitor or licensed conveyancer to carry out all necessary checks and undertake the legal transfer of the property.

    It will also be necessary to contact the mortgage lender and complete the paperwork for the loan.

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    The Conveyancing
    The solicitor will make enquiries and searches regarding ownership of the property, fixtures and fittings, boundaries, rights of access, future development, disputes and any other enquiries he deems appropriate.

    He will also check any guarantees, planning permissions, buildings' regulations certificates, as well as local authority searches. He will confirm that the seller is the legal owner of the property and prepare a "Report on Title". Contracts will be drawn up for the purchase and sale.

    On exchange of contracts the completion date will be set, and the purchase and sale will be legally binding. The property will be registered in the name of the new owner and the solicitor will be responsible for ensuring payment of land stamp duty tax.

    On completion the rest of the purchase price will be transferred to the seller, including any mortgage monies from the lender.

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    Checklist for Exchange of Contracts
    • Organise the transfer of funds for the deposit
    • Arrange buildings insurance cover to commence
    • Confirm the completion date to the removal company
    • Arrange to re-direct mail
    • Inform all relevant parties of your new address
    • Give notice to utility and service providers

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    Completion Day
    On completion day take meter readings for the new property and inform the utility companies. 

    Useful additional information regarding the property buying process can be found at www.direct.gov.uk
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User Guide

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Finance

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    Beth Hillman Mortgages

    Before starting your property search you will need to decide how much you can afford. Calculate your household budget, listing all incomings and outgoings, and review any savings or proceeds from the sale of a property you may wish to use.

    Additional finance may be required via a mortgage which is simply a loan secured against the property. It is highly desirable to have your mortgage agreed in principle by a lender before starting your search. Aside from the purchase price there are other costs in the buying process that you may need to take into account.

    For free, professional advice, call Beth Hillman on 01284 630256 or email b.hillman@gkmfinancialservices.co.uk

    Your home may be repossessed if you do not keep up repayments on your mortgage

    Not all buy-to-let mortgages are regulated by the financial conduct authority

    Fees may become available at a later stage.

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User Guide

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Meet The Haverhill Team

  • Introduction

    Suffolk's Local Property Experts
    We work hard to provide a better estate agency experience at Bychoice; one that's community minded and driven by our values and longstanding expertise.

    We're proud of the highly experienced staff who represent us. We all come from different backgrounds and bring to bear a wide variety of skills, but common to all of us is the aspiration to be responsive, helpful, professional, and most of all, trustworthy.

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    Richard Gosling MNAEA MARLA - Director
    Richard's career in estate agency started in his hometown of Sudbury in 1999, joining Bychoice in 2006. With a genuine love of the industry, Richard aims to continuously improve the marketing and service Bychoice offers.

    Contact Richard on 01787 468400 or richard.gosling@bychoice.co.uk

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    Emma Turner MRICS - Director
    As a member of the Royal Institute of Chartered Surveyors, Emma is a firm believer in offering exceptional service from property experts. This allows us to offer the highest level of guidance for our clients.

    Contact Emma on 01787 468400 or emma.turner@bychoice.co.uk

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    Matt Letcher MNAEA - Branch Manager
    Matt has worked in the property industry since 2011 and joined Bychoice in 2014. Having lived in Haverhill his whole life, Matt knows the town, surrounding areas and local market inside out. 

    Contact Matt on 01440 768919 or matt.letcher@bychoice.co.uk

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    Melanie Garner MARLA - Lettings Manager
    Mel is Haverhill's 'go to' lettings expert and thinks nothing of going the extra mile to help our landlords and prospective tenants on a daily basis. Mel is a firm favourite of all our clients, owing to her friendly and approachable demeanour.

    Contact Melanie on 01440 768919 or melanie.garner@bychoice.co.uk

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    Keeleigh Taylor - Property Consultant
    If you are looking to find your dream home, your first point of call is Keeleigh. Having grown up in and around Haverhill and risen through the ranks since joining in 2020, Keeleigh makes it her mission to match buyers & sellers. 

    Contact Keeleigh on 01440 768919 or keeleigh.taylor@bychoice.co.uk

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    Abbie Cox - Property Advisor
    Abbie is local to the Haverhill area and works closely alongside Mel within the lettings department helping both our landlords and tenants, ensuring we maintain our high standard of customer service. 

    Contact Abbie on 01440 768919 or abbie.cox@bychoice.co.uk

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    Maddison Newstead - Property Advisor 
    Maddison joined Bychoice in June 2022 and has quickly settled into the team. Working within the sales team, Maddison primarily conducts our viewings so there's a high chance she could be showing you around your new home. 

    Contact Maddison on 01440 768919 or maddison.newstead@bychoice.co.uk

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    Becky is our resident dedicated sales progressor. She works hard liaising with clients and solicitors from the point of an agreed sale to the much anticipated key hand over.

    Contact Becky on 01787 468400 or becky.midgley@bychoice.co.uk

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    Lewis Cawtheray - Land and New Homes Manager
    Lewis is in regular contact with planning consultants, architects, landowners and developers assisting in all aspects of this field. Whether it is a large garden or strategic land, Lewis can help.

    Contact Lewis on 01284 769598 or lewis.cawtheray@bychoice.co.uk

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    Beth Hillman CeMAP - Mortgage Advisor
    Beth is a professionally qualified mortgage and protection broker and is on hand to guide you through your mortgage options as well as offering expert advice on additional products & services.

    Contact Beth on 01284 630256 or b.hillman@gkmfinancialservices.co.uk
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    User Guide

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    Testimonials

    • Introduction

      At Bychoice, we pride our selves on our first class services, here are just a few examples...

    Testimonials from Sellers

    • Seller Testimonial

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      Mr & Mrs S

      To everyone at Bychoice,

      Thank you so much for all your hard work & patience. You're a brilliant team & the best estate agents in town!


      Miss you already!

    • Seller Testimonial

      Mr & Mrs W

      Dear Matt,

      Just a note to thank you for your prompt service & helpful advice. It was a pleasure dealing with you.

    Testimonials from Buyers

    • Buyer Testimonial

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      Mr & Mrs S
      I am so very pleased we purchased through ByChoice. I had been looking for several years for a particular property type. One rarely available locally. When this large bungalow came up the vendors had instructed three agents. ByChoice were first to advertise on Rightmove and I was alerted late one Wednesday night. We viewed the property the next lunchtime and had our offer accepted on the Friday. One of the other agents hadn't even got round to taking photos. The buying process went very smoothly. Marianne was our main contact, but all the staff at the Haverhill branch were aware of us and could answer any query. Eight short weeks later we completed the purchase and are very pleased with both the purchase and the smooth process to get here. Full marks to the team at ByChoice Haverhill.
    Contact us

    Disclaimer

    The content on this Microsite has been uploaded by Bychoice, Haverhill. Rightmove Group Limited makes no warranty as to the accuracy or completeness of the content, any queries should be sent directly to Bychoice, Haverhill. 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 Bychoice, Haverhill. 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 Bychoice, Haverhill on +441440768919.