Read the full version of our free Home Buyers Guide - Full Version!

1. If you would like to talk through your options and receive good, honest, 

    free advice, call our Help Line

2. How much can you borrow?  Use our UK Mortgage Calculators

3. Consider an ‘Agreement in Principle’ mortgage quote before you start

    searching for your new home this could give you an edge over your

    competition when you come to making an offer on a property.

4. What is your ideal home?  Print out the Ideal Home Check List

5. Register with local Estate Agents in the area where your new home will be.

6. Give a copy of your completed ‘Ideal Home Check List’ to each estate

    agent.

7. Before you start viewing property, print out House Viewing Check List

8. Arrange with the estate agent a convenient time and see as many relevant

    properties as possible.

9. Fill in one ‘House viewing check list’ for each property you visit, ask about

    any problems and take a camera.

10. Using the ‘House viewing check lists’, Up my street and any other

    information, make a short list of property's you would like to visit for a

    second time.  Visit at a different time of the day and see if neighbourhood

    changes.  Also find out what is included in the selling price i.e. carpets,

    curtains, blinds, light fittings, cooker, fridge, freezer, wardrobes, shed,

    greenhouse etc. 

10. When you find the property you want, decide how much your offer will be,

      don’t offer more than you can really afford!

11. Contact the seller’s estate agent and ensure your offer is ‘subject to

      contract’, i.e. you and the seller agree to go ahead but neither is legally

      bound.

12. When your offer is accepted you need to get a mortgage, this is where we

      can help, fill in our simple, free, no obligation, Mortgage Application

        Form

13. Or if you would prefer talking to us, telephone our mortgage

       help line

14. The seller’s estate agent needs to know your solicitor’s details, this is

      known as conveyancing.  If you do not have a solicitor, ask friends and

      colleagues who have bought property who they used and whether they

      were satisfied.  

      For a list of solicitors in your area, click to view solicitors Links

15. The mortgage lender will usually undertake a valuation of the property to

      see if it is worth the amount offered.  If you would like a more detailed

      survey and you do not know a surveyor, ask friends and colleagues who

      have bought property who they used and whether they were satisfied.

      For a list of surveyors in your area, click to view surveyors Links

16. Once your solicitor has carried out the searches and each party has signed

      and the contracts exchanged, they are binding and include a completion

      date, (the date that the property becomes yours).

17. Arrange Buildings Insurance so that the property is insured from that

      day.

18. Once you receive a completion date – this is the day the property become

     yours, you can think about organizing your move. For a list of removal firms

UEG Finance Services are part of The United Earth Group of Companies and are Authorised Introducers to Homesavers Mortgages Ltd. Copyright 2008 (c) All Rights Reserved