At HoldenCopley we believe in providing you with as much information as possible in order to assist you with your buying plans.
This guide sets out the main aspects of buying a property and provides tips and guidance to help you along the way.
Every situation is individual and our team of sales professionals will be pleased to advise you the options and best courses of action for your circumstances.
Matt Copley and Steven Holden
Directors
Buying a property is a major decision involving a substantial long-term financial commitment, so it is important to think hard about what you can afford. You will need to consider the assets you have – e.g savings – as well as your income and outgoings.
If seeking to purchase with a mortgage, we recommend taking professional financial advice to ensure that the best options for your circumstances are obtained.
HoldenCopley can recommend an independent financial adviser.
For most people buying a property, the biggest ongoing cost is the mortgage – simply a loan secured against a property. You can’t sell the property without paying off the mortgage first and if you don’t keep up the repayments the lender can repossess the property.
It is vital that you secure a mortgage in principle with a lender before starting the searching process. This way, when you find the right property, you will avoid being beaten to it by another buyer and you’ll also be in a much stronger negotiating position.
Generally, the best mortgage deals available are when you can contribute a significant deposit.
Our financial adviser will be able to find the best option for your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You will need to consider what aspects of a property are most important to you:
At HoldenCopley we can help you find exactly what type of property you are looking for and look at the elements that you could compromise on. We will take into consideration what you definitely don’t want and whether you have a mortgage agreed in principle.
If you are moving to the Nottingham area, we can research particular locations and suggest if they are suitable for your lifestyle.
Our HoldenCopley sales professionals will be able to provide useful information about house prices, school performance, public transport links and other local amenities to help you with your search.
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