Get settled in a new home before Christmas

Get settled in a new home before Christmas

There is nothing like the feeling of buying a house just in time for Christmas providing you've got enough time to move in the furniture and get snuggled up on the sofa in front of your choice of Christmas TV viewing!

It is important not to rush the process of buying a home just because it is the festive season, however, much as it is at any other time of the year. The last thing that you will want is to feel pressured into making the wrong purchase without having fully and properly assessed the suitability of your new home.

The process of buying a new home has a number of key stages. You will first need to arrange a mortgage so that you know exactly what your budget is. Banks and building societies will be able to inform you of your chances of getting a mortgage, based on your job, salary and other details, and if approved just how much you can have. You should also ensure that you definitely have the finances required for related expenses such as the deposit and moving fees.

Homes for Sale

Next, it's time to start looking. This will normally involve visiting an estate agent, which is free to visit and use the services of. You will have to consider your ideal property so that you can be put on the estate agent's mailing list for the relevant property type. Try to view all of the types of property that you are interested in, if there is a range. Once you have found a property that interests you from the range of homes for sale, put in a first bid that is around 5% to 10% lower than the initial asking price.

An accepted offer is still only accepted subject to satisfactory survey and contract exchange. You must do two things at this stage: apply for a mortgage, and contact a solicitor to work on your behalf. Once the contracts for the property have been exchanged between the solicitors of the two parties, you will generally have to provide the funds for the deposit. A completion (moving) date is then set. On this date, the funds will be forwarded to the solicitor of the house seller, meaning that the keys can be collected and you can now move in!

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