1. Register with Stirling Ackroyd to be the first to see properties as they come to the market
We will also send you our monthly house price index which gives you the latest property transaction numbers and averages in your local areas of interest. You will also get house price changes, find out how many properties were sold, break statistics down by property type and benchmark regionally and nationally.
2. How much can you afford; find the right mortgage for you
Before you begin searching, you will need to determine your budget. This will need to take in to account typical costs of moving, such as estate agency fees, stamp duty, solicitors’ fees and removals costs, as well as your available budget for a deposit and include any equity in an existing property.
Whether you are a first-time buyer or a seasoned home mover, our partner Coreco can be on hand to advise and support you throughout your property purchase and raising finance.
Understanding your budget will put you in a strong position once you begin viewing properties and negotiating on price. Gaining an Agreement In Principle (AIP), an outline of how much you are allowed to borrow and proof that you can afford the property you would like to make an offer on, also puts you in a stronger position once you have found your perfect property.
3. Helping you find your perfect property
Our online search makes finding your perfect property quick and easy. Searching for properties with Stirling Ackroyd is simple. When you register as buyer you will automatically be sent property alters when properties that fulfill your search criteria.
To further enhance your property search we also recommend you speak with your local Stirling Ackroyd Branch and meet our friendly Property Consultants who will be happy to introduce you to all the sights and sounds of the local area as well as take you through our property register.
5. Viewing properties
When you have decided on a shortlist of properties you would like to view our Property Consultants will be pleased to take you on a viewing tour or a one-off appointment, allowing you to gain a full picture of the property or properties you are considering.
Use the time on a viewing to fully understand the property and its suitability for your needs, ask yourself important questions such as, how close is it to local shops, schools and transport links, to help you accept or dismiss it as a possibility. We recommend you take a moment to stand outside the property and walk down the street.
Having seen your perfect home, be ready to make an offer in the knowledge of what it will cost and how long it may take to complete and don’t delay letting the agent know.
6. Get a head start on your conveyancing with Stirling Ackroyd
Buying a property is a huge commitment and to reflect this, the legal process behind every transaction is extremely detailed to make sure you’re making a sound investment.
Our conveyancing service is handled by an approved panel of dedicated conveyancers who are committed to delivering an exceptional level of service to our clients. All of our recommended conveyancers are regulated by either the Solicitors Regulation Authority or the Council for Licensed Conveyancers.
Getting legally prepared is an important part of our conveyancing service. We help you get a head start by having all the necessary legal documents in place before you make an offer, removing any unwanted delays and putting you one step ahead of the competition.
Once you are legally prepared, you can relax in the knowledge that you are ready to move forward once a sale has been agreed.
7. Making an offer
Congratulations, you have found a property that you want to buy and are ready to make an offer!
Once you are happy with all the information, contact the agent detailing your offer, including any required timescales and special requests you may have. The more information you can provide the agent, the quicker and easier it is for them to fully inform the seller about your offer. If you require a mortgage, evidence of your arrangements and deposit amount will need to be confirmed.
On occasions where multiple offers exist, sellers/agents may require buyers to present these in writing, sometimes known as sealed bids. Should this happen, it is important to confirm all facts surrounding your offer, as the offer amount may not necessarily be the overriding factor, especially if identical/near offers are received.
It is important to note that at this stage there are no legal obligations on either side until contracts have been signed.
8. Arrange a Survey
Buying a property is a large investment and you want to ensure that it is a sound one. Having a residential property survey completed on your potential property will ensure that you can make an informed decision before committing to making a purchase.
Stirling Ackroyd Chartered Surveying services are trusted experts in residential surveying solutions. They offer a full range of residential surveying services.
It is important to choose a property survey based on the condition of the property. Your RICS regulated chartered surveyor will help you decide which level of survey is most suitable for your potential property purchase.
9. Offer confirmation and sales progression
Once your offer has been accepted we will prepare legal documentation, known as a Memorandum of Sale. This will confirm the agreed price with all parties as well as solicitor and mortgage details.
Our internal Sales Progression team then manages everyone involved in a chain and keeps you informed at every stage. It’s our job to deal with the stressful part of buying a home so you don’t have to worry.
Having a single point of contact is a great benefit for buyer and sellers with Stirling Ackroyd, it reduces sale fall through rates by ensuring communication between all properties is efficient.
10. Exchange of contracts
When all the legal work has been carried out, you are ready to exchange contracts and a non-refundable deposit is required by your solicitor/conveyancer.
Contracts can now be signed and exchanged at which point both parties are legally bound to complete the transaction. Completion dates will need to be agreed and are normally around two weeks after exchange.
You can now begin packing your boxes and preparing for your move!
11. Completion, moving day!
This is the day on which your solicitor/conveyancer will transfer the remaining money owed and your purchase will be completed. You are now the legal owner of your new home, congratulations!
Once you have received the keys, don’t forget to take meter readings and check your property to ensure all is as you expected. Remember to re-direct any post and update any account addresses to your new details.