Untitled Document

We would like to give you a feeling of confidence that we have done all this before and can help you through the difficult and sometimes stressful time of moving home. You may only sell a home a handful of times in your life - but we sell that many before lunchtime every day.

Moving Guide

Introduction

Buying your home is probably one of the most important steps you will take towards the future. And, as the area's leading Independent Estate Agents, we are here to make it as easy and stress free as possible. We will provide you with all the help and guidance you need to see you through. This planner is designed to help explain the whole house buying and selling process and highlight the important area's to keep in mind.

Before You Start

Take some time to think about what you can afford. Remember though, its not just the mortgage payments you need to consider. Our independent financial advisors will be able to help you in a number of ways.

Explain all the costs involved in buying your home.
Calculate how much you can afford to pay towards a mortgage.
Find the best mortgage for you.
Liase with solicitors, estate agents and your chosen mortgage lender.
Advise you on general insurance.

What Exactly Are You Looking For?

Think about location, age, character, size and style. Be strong and stick to your requirements. Don't be swayed by a thatched roof and roses round the door, if it is not what your really looking for.

Talking to people who live there already may give you an insight into everyday life in the neighbourhood. Being a local estate agent, we pride ourselves on our local knowledge and we will be more than happy to provide you with any help we can.

Consider what's important in practical terms.

Number of rooms
Location
Garden, shed, greenhouse
Garage
Proximity to schools and shops

And what's important to your lifestyle

Restaurants, pubs
Leisure facilities

Finding A Solicitor

Finding a solicitor before you find what you're looking for will also help speed things along when the time comes. Here at Peter Reglar & Company we can recommend the best local solicitors to you and obtain details of costs involved.

What They Do?

Solicitors carry out the following activities
Local searches to establish anything which may adversely affect the property.
Investigation of the Land Registry to confirm ownership of the property.
Check information on boundaries, guarantees of work carried out on the property and what fixtures and fittings come with the sale.
Prepare the transfer of ownership
Deal with the exchange of contracts
Complete the Contract and Payment of money to the seller.

Make a 'Sensible' Offer On The Property

Once you have found what you are looking for, make a 'sensible' offer on the property you have chosen. When your offer has been accepted, let your solicitor know. He or she will ensure that the sellers solicitor prepares a draft contract of sale, and at the same time carry our the searches.

Surveys

You've already spoken to our independent financial advisor about arranging the mortgage, so now it is time to set the wheels in motion. Before a lender can offer a mortgage to you, a mortgage valuation must be carried out on the property. Your lender will arrange that mortgage valuation. The mortgage valuation is conducted to ensure that the property you wish to purchase is suitable security for the amount you wish to borrow.

There are three types of survey, and it is entirely up to you which one you go for. We will be happy to provide any information you require concerning a survey.

The three types are:-

Valuation Survey (arranged by the lender)
Housebuyer's Report
Structural Survey

The lender will also have the property valued. This report is mainly for the lenders benefit and the valuation acts as a guide to how much they will lend. It may well outline some superficial problems, but you must not treat the valuer's report as a full survey.

Applying For A Mortgage

As soon as your offer for the property you wish to buy is accepted our independent financial advisor will get the formal process underway.

As our independent financial adviser will have been monitoring the situation and keeping in constant touch with your progress, a great deal of the ground work will have already been done.

The main points to note however are that you will need to formally instruct a solicitor and also pay the lender's fee to cover the cost of having the property valued.

Once you have applied for your mortgage our independent financial advisor will keep you fully informed of its progress. The mortgage lender will want to confirm your income and take up other references.

Your Mortgage Offer

If the mortgage lender is happy with all the information it receives and it believes the valuation report to be satisfactory a formal offer of mortgage will be issued.

This document can be quite intimidating, if you are in any doubt about anything, no matter how trivial our independent financial advisor will be pleased to explain.

Assuming you are happy with all the terms and conditions our independent financial advisor will set about co-ordinating all the different parties, such as estate agents and solicitors to ensure your house move goes quickly.

Selling Your Home

Moving to a new home may depend on you selling your current home, and confidence in the Estate Agent you choose is likely to be high on your list of priorities. Peter Reglar & Company are the area's leading Estate Agents with five local offices. All our staff have extensive local area knowledge, and pride themselves in giving the best service available. Service is our Number 1 priority.

We offer a completely free Market Appraisal of your home where we can discuss your individual requirements and the professional services we can provide for you.

Once we have been instructed to sell your home, we will be committed to an effective and professional promotion of your property. We will . . .

Prepare sales details for presentation to potential buyers,
Immediately contact registered applicants looking for a property like yours.
Submit full colour details of your property to our internet site.
Schedule an advertising campaign in the local papers.
Display your property prominently in our office
Erect a 'For Sale' sign outside your property (roughly a third of viewings are a direct result of Sale Boards attracting people out browsing).
Accompany viewings if required
Keep regular contact so that you know what's going on in the market.
Keep you up to date with feedback of viewings.

WE ARE AS KEEN TO SELL YOUR HOME AS YOU ARE.

Presentation of Your Home

When your home goes on the market, you obviously want potential purchasers to see it at its best. Just remember, anyone looking round your home will be picturing themselves living there. So, make it as easy for them as possible.

Here are a few things to think about...

Make sure your home looks tidy and inviting. Nobody expects it to look like a show home, but keep the untidiness to a minimum.
Well-lit rooms always create better effects.
The aroma of fresh coffee or home baking (a little corny, but effective).
The gardens should be neat.
Do all outstanding minor repairs.
Keep dogs out of the way for fear of intimidating the viewer.
When showing viewers around, give them space.

Other Things You Should Think About

Building Insurance

This insurance will provide protection to you and your mortgage provider in the event of damage to your home though fire, flood and other perils.

Contents Insurance

It is also a good idea to make sure that you insure all the contents of your home. This will protect you against theft and damage as well as everything covered in your buildings insurance.

Accident, Sickness and Unemployment Cover

How important is it to you that you are able to continue to pay your mortgage if you lost your job through accident, sickness or unemployment.

HEAD OFFICE:
127 High Street
Ruislip
Middx.
HA4 8JN

Tel: 01895 613000

Fax: 01895 613018

Email: sales@peterreglar.co.uk