If you are considering selling your home or property then let our local expertise work in your favour. We will work with you to agree a marketing plan to suit the needs of your property, designed to achieve the best possible price for your home. When selling your house we will consider every aspect of the transaction, working within the timescales available and in relation to the market conditions in the area. One of the main benefits of selling your property through our agency is that the details of your home will be published online reaching not only local buyers, but also regional and national home movers.
We are fully committed to providing the highest quality selling service in the property market. We provide this at competitive commission rates, delivered on a no sale, no fee basis. Please do not hesitate to contact us via phone, fax or email so we can contact you without delay to assist selling your property.
If you decide to take the route of letting your property then employing a good agent can make all the difference. Putting your property up for rent is increasingly common in the current economic climate and we provide a fantastic service to protect the interests of each party involved.
We work hard to only provide the best quality housing for the best quality tenants on the market. Our wide range of letting services has been carefully created to ensure that you are provided with complete assistance and support.
Energy Performance Certificate
The Energy Performance Certificate (EPC) is a legal document that provides details on the energy efficiency of a property. It looks at heating costs and carbon emissions, grading your home from A to G. It also gives both buyers and sellers information on the average cost of energy bills, with suggestions on how to save money with certain energy efficient measures.
How is an EPC presented?
The EPC displays two graphs. With the first including an energy rating, which measures the homes overall efficiency. If a property receives a high rating then it is more energy-efficient and this means that the energy bills are likely to cost less.
An environmental impact rating is displayed on the second graph. This measures the impact on the environment and the emissions from carbon dioxide. This rating will provide a list of cost-effective measures and the potential rating of the building if these are installed.
Who orders the EPC?
The responsibility of ordering the EPC is with the seller and you will have seven days to receive it after putting your home on the market. As long as it has been ordered, the EPC does not need to be available when you first start marketing your property.
If you need any more help with the necessary documents behind your home move then contact us today and talk to a trained member of staff.
Important changes to EPC regulations
Important changes to EPC regulations will come into action from 6 April 2012.
These changes mean that EPCs will now be required for all residential and non-residential property offered for sale or rent. Moving forward, it will also be a requirement to attach the front page of the EPC to the property particulars in its entirety, rather than just the graph as was formerly the case.
Furthermore, using ‘reasonable effort’ an EPC will have to be secured within seven days rather than the previous 28 days.
If you require any further information on EPCs, please contact us and we will be happy to help.
Whatever your situation, most of us at some stage will need mortgage advice. Finding the right mortgage for your situation is really important, but how do you find the right one for you, when there are so many products available? Don’t worry; our friendly Mortgage Adviser will help you understand the complex area of mortgages. They offer whole of market mortgages along with full case management of your application, right the way through to completion of your property purchase.
How does the process work?
At your initial, no cost consultation, they will explain the terms of their service and establish whether they are able to help you.
If you choose to appoint them, they will provide you with:
- A full review of your needs, and an appraisal of your existing mortgage, if you have one.
- An explanation of the various types of mortgages, how they work and an overview of your options.
- A written report of your mortgage recommendation.
- They will complete all necessary application forms directly with the chosen lender.
- They will provide you with regular updates so you always know where you are in the process.
To arrange your initial, no cost consultation today, call us on 01455 25 00 88 and ask to be put in touch with our Mortgage Adviser.
In partnership with Move with Us we are pleased to offer a wide range of services designed to help you, whether you are buying a new property or selling your existing home. Our services have been specifically and carefully designed to ensure that you receive a high quality home moving service that is simple and hassle-free.
We offer a comprehensive conveyancing service to help you with all the legal processes involved with home moving. Our panel of solicitors will take care of this side of the move, liaising between all parties regularly to ensure that the transaction is progressed as quickly as possible, with additional added protection including No sale no fee, fixed legal fees and online tracking.
To discuss how to become legally prepared please call us on 01455 250088.
To help you understand the legal process that occurs in a property transaction we have provided you with a step by step guide, as seen below:
Step by step guide
Sale of your property - Once your sale has been agreed, you should inform us of your conveyancing solicitor’s details so that we can send them the relevant paperwork.
Getting started - Initially the solicitor will provide you with a formal instruction form and other documents which will enable them to gather all of the relevant details about you and your house. Once you confirm your interest in working with the solicitor, they will proceed with the transaction.
Purchase of your property - The solicitor can also carry out all of the legal work involved in the purchase of your property. Initially, all you need to do is provide us and your mortgage broker with the solicitor’s details. Your selling agent's solicitor/conveyancer will then be able to contact your solicitor to confirm instructions.
Searches on your purchase - Once your newly appointed solicitor has received the contract documentation from your sellers’ solicitor, they will be able to affect the necessary searches of the Local Authority, Water Authority and Environmental Agency.
Mortgage details - Your lender will send you and your solicitor the mortgage offer. The solicitor is responsible for explaining the terms and conditions of your mortgage offer. The Contract documentation and Mortgage Deed will then be sent to you for approval and signature.
Exchange of contracts - Exchange of contracts takes place between the two parties’ solicitors, usually by telephone. Following exchange, your signed contact is forwarded to the other party’s solicitor/conveyancer and they in turn will send their party’s signed contract to your solicitor. At this stage, you and your seller/buyer will be legally committed to the transaction.
Completion of your move
On the day of legal completion, your solicitor will:
- Arrange legal paperwork
- Discharge your mortgage and/or draw-down funds for your new mortgage
- Pay your fees as per the Terms of Agency Agreement you have signed
- Arrange the legal documentation to be signed for the transfer of the property at H M Land Registry and register your ownership
- Arrange your Stamp Duty payment, payable to the Inland Revenue
Payment of fees
Prior to legal completion, your solicitor will require any monies due to them to be cleared funds in time for legal completion. They will deduct their fees and disbursement costs and stamp duty from the balance at legal completion. Finally, you will liaise with your agent for the release of the keys to the property.
How long will it take?
Conveyancing is one of the most time consuming aspects of any home move. If the property is empty and the buyer does not require a mortgage, a sale or purchase can be completed within a few days. However, this is very unusual and it is more likely a mortgage will need to be approved and there will be a chain of transactions to contend with. If this is the case, then it usually takes 4-6 weeks to exchange contracts and then another 2-4 weeks between exchange of contracts and completion. This makes the process a total of 6-10 from start to finish. We understand the pressured timescales involved in property transactions and we do all we can to progress the transaction as quickly as possible.
How soon do I need to pay any money?
If you are buying a property, your solicitor will usually ask you for approximately £125.00 at the beginning to cover the search fees that will be paid out on your behalf. The balance of the price and the solicitor’s cost, as well as any additional charges, will be payable shortly before completion of the deal. If you are borrowing more than 90% of the purchase price then you may be required to pay prior to the exchange of contracts.
If you are selling then you should not need to pay any money in advance. The costs and agent fees will be paid out from the sale proceeds on completion before any balance is sent to you.
Do I need a survey?
If you are obtaining a mortgage, a valuer will inspect the property on behalf of the lender. Although his report should give you an indication as to whether he thinks the property is worth the amount that you have asked to borrow, it will probably not be a reliable source if things went wrong. For an additional fee, you will usually be offered the option to arrange for the same valuer to carry out a more detailed ‘Home Buyers Report’. This can be relied on if, at some later date, you discover a problem not mentioned in the report that you wish to take up with the valuer.
If the property is quite old and you are particularly concerned with its condition, you can always obtain a full structural report that is much more detailed.
There is a golden rule when it comes to this – “let the buyer beware” so, provided you have not been misled, you will be the one liable for any problems you discover after the exchange of contracts.
How much deposit will I need?
It is normal for a deposit to be paid on exchange of contracts. If you are buying and selling, we can usually use your buyers deposit in connection with your purchase so you will not have to find anything. If you are just buying, the amount of the deposit will usually depend upon the size of your mortgage (if any). If it is less than 90%, you will usually need to find 10% but if you are borrowing more than this, we can often persuade the seller to accept whatever amount you are putting in or even just the amount of our costs and disbursements - only if you are borrowing 100%.
If I have any questions, should I ask the Agent or the Solicitor?
If you have any questions regarding the legal aspect of moving, we recommend speaking to your Conveyancer. However, your agent will also be aware of how the sale or purchase is proceeding and should be able to cover any general queries you have.
Can I exchange contracts before I receive my mortgage offer?
If for any reason the mortgage offer is declined or delayed or it contains any conditions that you cannot comply with, the money may not be available when required so it would be extremely dangerous to exchange contracts without it and any competent solicitor would strongly advise you not to do so.
When do I need to arrange buildings insurance?
Unless the building insurance is being arranged by your lender or it is a leasehold property and the insurance is dealt with by the freeholder, you must arrange buildings insurance from exchange of contracts as the property will be at your risk from that time. The amount of cover should be the estimated cost of re-building the property if it burns to the ground which is not necessarily the same as the current market value. If you had a survey or you are obtaining a mortgage, your surveyor or the lender's valuer will usually have suggested a minimum amount of cover in their report.
What happens with the keys?
These are usually left with the estate agents (if any) and the buyer collects them once the money has been paid over on the day of completion. If there are no estate agents (or this is not convenient), the seller will hand them directly to the buyer. Either way, it is important that arrangements are made in advance to prevent the possibility of the buyer having to wait outside with the removal van! Although your solicitor will always try to ensure that everything is finalised as early as possible on the day of completion - and usually this is dealt with by midday - there can sometimes be a delay if, for example, your solicitor is still waiting for the mortgage monies to arrive or there is a particularly long chain. If this happens, please don't panic or become upset because your solicitor will invariably resolve the problem by early afternoon - if not sooner!