BUYING WITH CANTELL & CO
Cantell & Co know the purchase of your home is the most important and expensive transaction you are likely to undergo. Our database features many different styles of properties and we are sure that with our local knowledge and expertise, we will be able to find you a property to suit your needs, be it a straightforward move or a ‘Buy to Let’ investment.
To enable you to unravel the complexities of buying your home, we have set out below an overview of the various procedures involved.
The first requirement is for you to register your details and property specifications which can be achieved in a number of ways i.e. by email, fax, phone, in person or by completing our registration form. This will give us an insight into your personal requirements, thereby enabling us to modify the details sent to you. Once registered, you are then in a position to receive details from us directly in person, via mail or email or download and print these out from our website
Our friendly team are available to arrange those all important viewings of your selected properties. Our office is open 6 days a week from 9am to 6.30pm during the week and 9am to 5pm on Saturdays, though we will do our best to accomodate you outside of these hours. Please contact us to arrange a mutually convenient time on 020 8940 7507 or email firstname.lastname@example.org.
In order to speed up your house buying process, it is advisable wherever possible; to get a mortgage agreed in principle before any final decision on your new property is made. This has the advantage of providing you with a clear indication of what is affordable and the fact that you have a mortgage agreed in principle is also attractive to sellers.
Making Your Offer
Once you have located your ideal property, your offer will be submitted by us to the vendor for their consideration. This is done both verbally and in writing.
Accepted Offer/Instructing Solicitors
As soon as your offer has been accepted by the vendor, you should instruct a solicitor to act on your behalf. Your solicitor will handle all legal requirements of your purchase (property conveyancing). At this point, you also need to formally proceed with your mortgage application and instruct your mortgage consultant/broker accordingly.
The next step is to obtain the Mortgage Valuation, as required by law. This will be conducted by a Chartered Surveyor acting for your Lender. The report is to provide a Valuation i.e. determine whether the amount to be loaned is secure and also deals with the basic condition of the property. Since you as the buyer are also provided with a copy, it allows both parties to evaluate the findings prior to entering into a commitment to purchase
However, we would not recommend that a buyer relies solely on the Mortgage Valuation survey as the inspection is limited and although it may cost a little more to obtain a more detailed report yourself, this could in the long run save you from making a costly mistake