When buying your first home, it can be a confusing time filled with advisors and specialists who are all essential for the successful completion of the house sale. It can often feel overwhelming to manage the many moving parts, and it is vital that you choose the right people and resources to help you. Access to the best minds and talents is crucial for making the process of buying a house simple and easy.
A new build home is a popular choice for first-time homeowners, one that has many benefits as well as drawbacks to consider. As the owners of a new-build property, you will be the first and only people to live in the place; it will be entirely yours. This can come with some downsides, though, as it can be tough to ascertain the quality of the build until it has been lived in for a few years.
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Mortgage In Principle
A mortgage in principle can be a great way to get the ball rolling with your new-build purchase. This is a written confirmation from the bank that they are willing to lend you the money for you to purchase a home. It can be a good way to show estate agents and property developers that you’re serious about making the purchase. All you’ll need to apply for a mortgage in principle is your basic details, address history and proof of income and outgoings.
Estate Agent
An estate agent is someone who helps match buyers with potential homes. You might already have your eye on a particular development or property, but even so, it is worth talking to an estate agent to discuss your particular requirements. They will also be able to help you enter negotiations with the developer or inform you of other properties that could meet your requirements.
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Developer
Researching the developer is crucial if you want to buy a new build home. The quality of the developer will impact the quality of the property itself, and you’ll want both to be the best possible. You should do some research on reviews the developer has received. It is also best to check what turns up when you search Google for the developer – it is best to avoid any company that has had bad press, even if this appears to be unrelated to the quality of their properties. If possible, try to visit a few of the business’s developments to get a feel for the quality and craftsmanship. You could also talk to some of the current residents about their experience with the developer.
Reservation
When you have found the property you love, a reservation is vital to ensure that you get the home when it is completed. Developers offer the ability to reserve their properties to buyers so they can feel secure knowing the house will be theirs. This can cost anything from a few hundred pounds to a couple of thousand.
Mortgage Advisor
A mortgage advisor can be an incredible help during the mortgage application process. You should look for a mortgage advisor with a proven track record and who specialises in helping people buy new build homes. They should also have significant industry knowledge and understanding to help you access the best possible deals on mortgages. Acumen Mortgages are expert mortgage advisors that could be the perfect fit for anyone buying their first homes.
Conveyancing Solicitor
Your conveyancing solicitor will be responsible for ensuring the legal side of a property purchase is complete and legally binding. Solicitors’ fees are often the most expensive cost involved with buying a house, but it is vital that you use the best quality legal expertise available. You should always pick your own solicitor and be wary of the developer trying to pressure you into using their own.
Snagging Check
The snagging check is a crucial step when buying a property. You should go through the home and make notes of every issue that has not yet been resolved satisfactorily. This should be largely cosmetic issues such as chipped paintwork, loose fittings or general cleanliness. It may also help to take photos of the problems you find and send these with the list to your contact with the developer.
Bank Contact
Naturally, getting quick approval for your mortgage is crucial, and it can help immeasurably to have a contact within the bank. Often, you will be assigned a particular person to help you gain your mortgage, so consider getting to know that person and build a relationship with them. They may be able to help speed things along or correct any issues that could cause delays.
Movers
Moving is often a stressful time with a lot to get done; you can make life easier for yourself by hiring movers. Things movers can help with include packing, heavy lifting and operating a moving truck or van. You could consider hiring movers just for the heavy lifting or pay more for a premium service in which your belongings are unpacked for you. Look for reputable movers who will handle your belongings with the care and attention they deserve.
Cleaners
Cleaning is often the last thing you want to do after receiving the keys to your home – this is where professional cleaners can be truly invaluable. Many professional cleaners offer a new home cleaning service, which includes a deep clean of the property. This can be an excellent way to ensure there is no lingering dirt and debris from the property construction. You should look for a professional cleaning service that is local and with plenty of experience leaving domestic homes sparkling clean.
Conclusion
There’s a wide range of professional resources available to new homeowners, all aimed towards making the process of buying a home simpler and easier. It is vital that you choose professionals that you work well with and who can offer you the very best quality of advice and care. You should be selective with your decisions and do thorough research on any professional you consider using. Buying a new-build home is one of the biggest purchases you’ll ever make, and it is vital that you get it right.
