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Frequently asked questions img

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How Much Can I Borrow?

The first thing you need to consider when buying a property is how much you can borrow.
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What Legal Costs are there?

To get a clearer idea about the legal costs involved in the home-buying process contact a few lawyers. Try to find a firm that specialises in first-time buyers.
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Mortgages/Stamp Duty

Next to death and divorce, purchasing a home has been described as one of the most stressful experiences you can undergo.
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Solicitors

You will need to appoint a solicitor or property lawyer to deal with the conveyancing and legal formalities of the property transfer.
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Insurance


When you have bought your home, you will want to protect it by insuring the building against damage, such as that caused by flooding, fire or subsidence. In any case, the mortgage lender will insist on it.
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How to Budget

As a first-time buyer it can be difficult to know where to begin in trying to work out how much money you have for the deposit and how much to spend on your monthly mortgage repayments.
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Surveys


Unless you are putting a large deposit down on the property, your mortgage company or lender will probably carry out a survey for its own purposes.
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Removals


When you move into your new home, you might move all your possessions yourself, hire a 'man-with-a-van' or use a professional removals firm.
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Utilities


You will need power, gas, water and phone, so find out from the estate agent which firms supply the services, so that you can make them aware that the meters need reading and that you will become responsible for those utilities from that date.
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