Getting Started...
Whether you're a first time buyer, a home mover or a landlord you'll need to know what your budget is and how much money you can borrow. We can help you with this by setting up a consultation with one of our whole of market, fully qualified independent Mortgage Advisors, where you'll soon know how much you can afford and what the monthly payments will borrow. They will also provide you with what's called an 'Agreement in Principle' certificate. You'll need this as proof that you can obtain a mortgage to show other estate agents before they will accept an offer from you.
Viewings
You need to know which areas you want to live in, how many bedrooms you need, your maximum budget and which type of property you want. At Currans we will keep you constantly updated with our latest properties via text, email and phone.
Make an Offer
Once you've found your dream property, you'll need to make an official offer.
Choose a Solicitor
You will need to instruct a solicitor to carry out conveyancing. If you do not have a solicitor we are happy to recommend solicitors. We only work with like-minded, forward thinking solicitors, so you can feel rest assured that you'll be in safe hands with a competitively priced and efficient service.
Apply For Your Mortgage
Now that you've got an offer accepted on the property you wish to purchase, it is imperative that we apply for your mortgage as soon as possible to avoid unnecessary delays. It can all be done within an hour and generally you'll need the following proofs:
-Photographic ID & Proof of Address
-3 Months Pay Slips or 2 Year Accounts
-Proof of Deposit
Sales Progression
We will look after your every need through the buying process and will keep you informed every step of the way.
Valuation or Survey
When the mortgage company has approved the initial mortgage application, they will instruct a survey for Mortgage purposes, to ascertain the condition and value of the property. Your chosen lender will contact us to arrange the inspection, and if everything is satisfactory, you can expect your mortgage offer to follow shortly after.
Mortgage Offer
Following the successful completion of the survey, your offer will be produced and sent out to you and your solicitor.
Signing of Contracts
Once the solicitors have received all the information requested, prior to exchange of contracts, both sellers and purchasers will be sent the contract to be signed in readiness for the exchange.
Exchange of Contracts
Once everybody in the chain has signed the contracts and solicitors have received everything needed, they will then instruct a formal exchange of contracts. All parties need to agree on a completion date and then the solicitors can exchange on the property, which means everything is legally binding.
Completion
This is the big day when all parties in the chain move. The keys will only be released once the transferred funds have reached the sellers solicitors (usually around midday). As estate agents, we often hold keys to the property prior to completion and we can only release these once we have had confirmation from the solicitors that the chain has completed.