8 steps to your new home

You're just 8 steps away from a brand new home.
This simple guide talks you through the journey to help make home buying easy.

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1
Choosing your home
2
Reserving your home
3
Appointing a solicitor
4
Applying for a mortgage
5
Calculate your mortgage
6
Choices, choices
7
Exchange of contracts
8
Love your home

Whether you can picture your perfect home or you’re keeping your options open, the start is an exciting stage – the world’s your oyster, so enjoy. 

To start exploring all of our homes click here.
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At last! After all the choices have been considered and scaled down, you’ve finally fallen in love with your ideal home. Once you’re satisfied you’re able to afford it, you need to reserve it. As soon as we’ve received the reservation fee, we'll take your home off the market. And don't worry - that fee will be deducted from the price of your home when it goes through. We’re now in a position to help you through the next stages.

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The right solicitor can make all the difference in the efficiency of the buying process. Appoint someone you can trust who is experienced in conveyancing. A recommendation from family and friends is a good place to start. If you get stuck, our advisers can also point you in the right direction. 

Before you commit to your solicitor, get a quote so that you know what they’ll be charging for. Quotes should include Local Authority searches, Stamp Duty and Land Registry fees. The more information you can give to your solicitors about the purchase, the quicker and easier the legal side will be! 
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Most people need a mortgage to buy a new home. If you’re not sure how to go about finding one there’s plenty of help available. Talk to an Independent Financial Advisor (IFA) to weigh up your options and decide which mortgage is the right one for you. Do this as early as possible, even before you reserve your new home, so that you know how much you can afford. 

Once you've found the right mortgage, try to get an application agreed in principle. Then, after you've reserved your new home, you can make a formal mortgage application - that new home is almost yours…
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Calculate your repayments

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Your results
The first figure gives the total monthly payment for a straight repayment mortgage, including both interest and payment towards the capital loan amount. This reduces the amount owed on the capital, month by month. The second figure shows the amount of interest payment only.
 
These figures are only a guide. We recommend that you obtain exact figures from a specific lender before committing to any mortgage.
 
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Once you’ve shared the good news with your sales adviser, it’s time to start thinking about the look and feel of your new home. Bring to life the home you’ve already pictured in your head with our range of interior design options!  

Depending on the build stage, you can now begin to select features like kitchen units, the colour and style of your tiles, and even the flooring in certain rooms. Just check with our sales adviser regarding available options and start stamping your own style on your new home.
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You’re on the home stretch! 

Once your solicitor is satisfied with the legal side of things, they will ask you to sign a Contract of Sale. This is when you'll pay your agreed deposit through your solicitor. In the meantime, we’ll have signed our copy of the contract too. Once both solicitors have exchanged contracts, our company and yourself are legally bound to complete the sale.
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Once everything is legally completed, your new home becomes your own. The full amount for the purchase will transfer to our solicitors, and your solicitor will receive the title deeds from us. We'll then invite you to a home demonstration, where we'll show you everything you need to know about your lovely new home.

It’s key collection time!

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