Service | Expertise | Accountability
Buying
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Moving home can quickly become an expensive exercise. In addition to the obvious costs such as a deposit, stamp duty, surveyors, solicitors etc, there are a number of other ancillary costs which people sometimes fail to take into account when putting their budget together.
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The industry has a propensity to shroud property transactions in mystical terms such as “title, tenure, searches” and the like. But when it comes to leasehold property, we tend to take the jargon to a whole new level. To bust the jargon, we explain the meaning of frequently encountered leasehold terms.
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The two primary forms of interest that can be held in property in the UK are freehold and leasehold. For a buyer, it is very important to understand the difference between the two, as each form of interest carries differing rights and obligations.
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So, you have found your dream home and your offer has been accepted. What’s the next step? You are about to make one of the largest financial commitments of your life and borrow money that might take 25 years or more to pay back. It’s certainly worth doing some “due diligence”.
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Great news, you have found your perfect home and you’re ready to put in an offer. Do you make a “lowball” first offer and see how it goes, or do you pay the asking price to get it all wrapped up? Maybe you want the property so badly that you should offer above asking price, just to be sure?
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Deciding to buy a new home is one of most significant financial commitments most of us will make in our lifetime. There is a lot to think about for sure, but with a good understanding of the process, a little time spent researching the market and the appointment of good advisors, you should be in great shape.
