Guide to Buying

Step 1. Arranging your mortgage.

Before you begin your property search, it is advisable to arrange your finances and, if required, have a mortgage agreed in principle. This will confirm how much money you will have to fund the purchase.

Step 2. Register your interest.

The first step to finding the right property is to register with us either by calling us at any of our 7 Andrew’s ESTATES offices located in Neston, Heswall, Prenton, Moreton, Bebington, Little Sutton and Wallasey or visiting your nearest branch.

Step 3. Finding the right property

Once we have a clear idea of your requirements you will receive a regular selection of properties that match your criteria. We can also keep you constantly up-to- date via email and SMS alerts when the latest properties become available. These will also be advertised on our own website as well as Rightmove and Zoopla – so do keep an eye out!

Step 4. The key to successful viewings

We're open at times to suit you and to ensure that we can arrange viewings at the times required. We are open Monday to Saturday and are phone and email responsive 7 days a week. In order to secure a property we recommend an early viewing so as to be first through the door! We are also on hand to answer any questions immediately and advise where necessary.

Step 5. Making an offer

Once you have identified a suitable property we will put your offer forward to the seller both verbally and in writing stating any special conditions of the offer. * There are no legal obligations on either side until contracts are signed.

Step 6. Offer agreed

Once your offer is accepted we will do the following: Prepare a memorandum of sale and write to all parties to confirm the agreed price.

Step 7. Instructing a solicitor

The successful purchase of a property can be reliant on the instruction of an efficient and experienced solicitor. It is a good idea to use a solicitor who knows the area that you're moving to and specialises in conveyancing. Call into your Andrews ESTATES branch for recommendations on Solicitors to assist you.

Step 8. Survey and mortgage offer

A survey of the property will be booked by a surveyor on behalf of the mortgage lender to identify any structural problems and advise on the property's value.

After the mortgage valuation report is received, a formal mortgage offer will be sent to you and your solicitor which you will need to sign before it is returned.

Step 9. Exchange of contracts

Exchange of contracts then occurs when all enquiries have been confirmed and agreed. Once the contract has been signed by both parties the deposit (usually 10% of the purchase price) will be transferred or paid in the form of a banker's draft from your solicitor to the seller's solicitor.

The completion date is then set by mutual agreement.

Step 10. Completion

Completion occurs when the residual monies (usually 90%) are transferred from your solicitor to the seller's solicitor's account. At this point we will release the keys once the money has cleared in the seller's account.

Congratulations, you are now the legal owner of your new home!