Loading posts...
  • Who arranges a Property Survey?

    The buyer is responsible for arranging a property survey. If the property purchase is being made with a mortgage, the mortgage lender will require at least a basic mortgage valuation report to be carried out on the property and this will be arranged by your chosen mortgage lender when you submit your full mortgage application.…

  • NHS Mortgages

      Mortgage lenders that understand the NHS   We recognise that your job role may require you to switch from one Trust to another, working for multiple hospitals or maybe you choose to work as a locum or part of the bank staff. Fortunately, there are mortgage lenders out there who understand these flexible working…

  • Offer accepted on a Property – What happens next?

      So you’ve had an offer accepted on a property, what happens next? Follow our simple step-by-step guide to ensure that you hit the ground running with your property purchase.   1. Get confirmation in writing The first step is to request confirmation in writing from the estate agent or developer. The document to confirm…

  • When should I get an Agreement in Principle?

      There are many opinions on when you should get an agreement in principle but hopefully, we can shed some expert advice on the process and when you should apply for an agreement in principle.   1. Start by using an Affordability Calculator   When you are starting out with a property search either as…

  • How important is the Memorandum of Sale when buying a property?

      The memorandum of sale is an important document, it confirms the point at which a property sale has been agreed by both the buyer and the seller (vendor). The memorandum of sale should be issued by the estate agent as soon as the property offer is formally agreed.   Do you need a Memorandum…

  • How to deal with Property Down Valuations

      A property down valuation is never easy to deal with when trying to remortgage or purchase a property.  The first step is to lodge a valuation appeal with the mortgage lender.   Remortgage Down Valuations Remortgage down valuations happen more often than any other mortgage type in our experience. Often, when remortgaging, owners don’t…

  • How to make an offer on a property

      Whether you are dealing with an estate agent, a developer, or the vendor directly; making the right offer on a property can save you thousands of pounds. It is crucial, therefore, to be prepared and execute your offer in the right way.   I have prepared this guide based on my own experience working…

  • Property Purchase & Mortgage Timeline

    So you found a property and you’ve had an offer accepted, what happens next? There are two timelines that will begin, the first is a mortgage timeline (if you need a mortgage), the second is the legal timeline.     Mortgage Timeline Agreement in Principle ➡ Application ➡ Survey ➡ Mortgage Offer The mortgage timeline begins with an…