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Property Purchase

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Selling your home, whilst also looking to move onto a new property? Sounds like a piece of cake, right?! Whatever your experience, make sure you’ve got everything you need before you get started.

There are SO many moving parts when it comes to selling & buying a new home. From estate agents, solicitors, preparing your home for photos & viewings or thinking about accepting an offer. Whatever you plans are, we’ve created a handy Property Purchase guide to help you understand everything in between.

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made for purchases
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Your Property Purchase Knowledge Hub

I can’t recommend WMC any more.

We decided at the drop of a hat we wanted to buy a house almost double the cost of ours and Sam bent over backwards with late nights and weekend advice to make it work. If it wasn’t for these guys, we wouldn’t be in our dream home. We are forever grateful – thank you. I’ve recommended friends and they’ve been just as happy and agree they’re better than any broker they’ve used! Brilliant company. JP & Katy

Absolutely made up with the service and communication from the team at WMC.

Took the stress out of finding the best mortgage deal for our new house especially during a pandemic when mortgages with good deals were harder to come by Thanks so much guys! We would highly recommend and when the time comes to remortgage, we’ll be back in touch!!
Emma & Jonny

How to Purchase my new home

 

step 1

We’ll find the mortgage – Made for You!

Simply give us a call or book your appointment on our website. Tell us how we can help you with your property purchase, and we will set you up with your own Mortgage Hero (that’s what people call us!)

step 2

Your local mortgage advisors

We’ll be there, holding your hand throughout the process. We’ll make sure that we take care of all your paperwork, and make sure you’re kept up to date with your chosen lender, surveyor & solicitor. We will even work with your local estate agent to ensures a smooth transition into your new home.

step 3

Stress-free home moving!

Before you know it, you’ll get the keys to your new home. Our entire team and your dedicated mortgage advisor will have found the perfect solution and we’ll be calling to say congratulations!

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FAQ’s

How long does it take to move home?

The length of time it takes to move home can be affected by so many different things!

A typically straightforward sale and purchase can take anywhere between 3-4 months. This could take longer if you’re in a large chain of house purchases, or if one person decides to withdraw from purchase in your chain – you all may be delayed.

In order to help keep your part of the chain running smoothly, it’s really important before you get looking at new houses, you have everything in order ready to make an offer! It’s also super important to choose a reliable Estate Agent that will help find you a buyer in double quick time and they will give you hints and tips on how to sell your home quickly.

How Long will my Mortgage Offer last for?

This is a question we tick off right at the start of the process with our clients. So a Mortgage Offer is the lender granting you the funds towards the purchase, but a lot, if not all, do have a specific period of time that this will last for. Typically with high-street lenders, this can last for around 6 months on a standard home purchase. If you’re buying a new build and the development takes a little longer, some lenders will actually allow your mortgage offer up o 9 and in some cases 12-months before it runs out!

So it gives you plenty of time from the moment a mortgage offer is approved to make sure the rest of the home-buying chain can get sorted too.

When should I speak to a mortgage advisor?

Before you start looking into your next home purchase, it’s important to understand your existing mortgage contract, the potential equity your property has and all the future mortgage considerations. By working with an adviser they’ll help you understand if there are any Early Repayment Charges on your current mortgage if it’s better to Port your existing deal and top-up your mortgage onto the new property if it’s better to take a new mortgage out with a new lender or you might want to make some overall changes anyway!

By working with a local mortgage adviser it’ll give you peace of mind and confidence in the next steps you’re about to take.

Can I stay with my current lender?

Yes. In fact, a lot of people do!
The reason this works for some people is if you have recently just taken out a new mortgage product – it might have some hefty Early repayment Charges. You can avoid these, if, you take your current mortgage with you and then top-up (if needed!).

In some cases though, current interest rates might mean you’ll get a better deal – so it’s worth considering both options and seeing which is the most cost-effective for you.