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Choosing a surveyor

Choosing a surveyor

by Ian | Jun 10, 2019 | Building Surveys, Buying a home, Conveyancing, Estate Agents, Home Buyer Surveys, Home Condition Reports, House Prices, Selling your home

  What type of surveyor?   Surveyors come in assorted shapes and sizes. Anyone can call themselves a ‘surveyor’, a title that’s sometimes adopted by double-glazing salesmen for enhanced credibility. Qualified surveyors, however, are always the chartered variety...
What does a mortgage valuation involve?

What does a mortgage valuation involve?

by Ian | May 22, 2019 | Buying a home, Conveyancing, Estate Agents, Getting A Mortgage, House Prices, Mortgages, Selling your home, Valuations

If the mortgage valuer ‘downvalues’ your property it could blow the whole deal out of the water.   Banks and Building Societies normally appoint chartered surveyors to carry out valuations for mortgage lending purposes.    This is a crucial stage because...
Speeding up your purchase – before the deal falls through!

Speeding up your purchase – before the deal falls through!

by Ian | Mar 9, 2019 | Buying a home, Estate Agents, House Prices, Making An Offer

You now have one single overriding objective: to get to exchange of contracts as quickly as possible. Once you’ve exchanged you’re pretty much legally home and dry, and can afford to relax a little, but until then every extra day of unnecessary delay means a greater...
When To Consider Paying A Higher Price For A Property

When To Consider Paying A Higher Price For A Property

by Ian | Oct 25, 2018 | Buying a home, House Prices

When can you justify paying a higher price for a property? A higher sale price is sometimes justified by sellers who make a point of telling you how much they’ve spent on various improvements. But as we saw in previous posts, what’s been spent doesn’t necessarily...
Shared equity schemes – What are they and what’s available

Shared equity schemes – What are they and what’s available

by Ian | Oct 13, 2018 | Buying a home, Financing a new home, Getting A Mortgage, Help To Buy, House Prices

Shared equity schemes – What are they and what is available to you? Help To Buy This is an ’equity loan scheme’ where the Government stumps up interest-free loans of up to 20% of the property’s value, allowing you to buy with a deposit of only 5%. The scheme...
Location, location, location – The 3 L’s of buying a house

Location, location, location – The 3 L’s of buying a house

by Ian | Oct 9, 2018 | Buying a home, House Prices

Thanks to TV property gurus Phil Spencer and Kirstie Allsop there can hardly be a living man, woman or child in the entire country who is unaware of the fact that location is the single most important factor when buying property. In fact deciding where you want to...
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By arranging your home survey directly online - rather than via a mortgage lender - you can save the large chunk of the survey fee that the banks normally keep. They may still want to instruct a valuer to carry out their mortgage valuation, but don’t let them try to sell you an expensive Homebuyer or Building Survey from one of the large, target-driven, corporate firms on their 'panel'.

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