TOP TIPS for buying a house!

TOP TIPS for buying a house!

What are the most important things to remember when bidding for the most expensive single purchase you’ve ever made? We’ve put together our top tips for buying a house whether you’re jumping on or moving up the property ladder!

Try and buy with your head and not your heart

  1. You may love the view, the garden or your dream kitchen, but don’t forget that you need to be able to keep up with your mortgage repayments.

 

  1. Research how much to offer 

    Take a look at handy online guides from Rightmove and Zoopla to see what other homes are currently for sale at and how long the property has been on the market. Remember, don’t be afraid to negotiate.

 

  1. Sell before you buy 

    Searching for a new home will always be exciting, and with the multitude of property at the touch of a button, it can be tempting to search for your dream home when your current property is not yet on the market. It is important to not get carried away and fall in love with a house before you have a buyer, or you may lose out on the house of your dreams to someone with the funds already available.

 

  1. Factor in the fees 

    Your outgoings when buying a house aren’t limited to the deposit. Stamp duty, surveys, legal fees and mortgage arrangement fee are just a few things to remember when you’re calculating the cost of buying a house.

 

  1. Get a mortgage agreement in principle

    Having an ‘agreement in principle’ organised may give you an advantage over other potential buyers as sellers will know you are a serious buyer and have the necessary finances, giving you the best chance of securing the house you have made an offer on.

 

  1. Check out the neighbourhood 

    No matter how lush the pad, location counts! You can’t move a home to the other side of town, but you can do it up. So, prowl the neighbourhood on foot, hunting for clues. Visit the parks and pubs at different times of day.

 

  1. Don’t rush your search 

    View properties carefully, checking for signs of damp, cracks and bad plumbing. If you are drawn to a particular property, go back to view it at a different time of day.

 

  1. Don’t forget insurance

    Always get home insurance quotes before you exchange contracts to ensure suitable cover’s available. This could flag up issues, for example if the property’s in a flood-risk area.

 

  1. Get fixtures and fittings in writing

    To avoid getting the keys to a stripped-bare house, ask the seller for a list of all fixtures and fittings included in the purchase, right down to the light fittings, the TV aerial cable screws, the black bin and the fire grate.

 

  1. Book your movers

    Make sure to book in a date to move in advance and find a team who can accommodate all your items. There’s no reason buying a house has to be stressful, and by booking in advance, you can make sure your move is stress-free too.

 

And don’t forget to congratulate yourself – buying a house is a big decision with lots of things to remember. Be sure to celebrate buying your home with a bottle of bubbly and lots of photographs!

 

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