Buy

If you are looking for a property to buy then you will know it is likely to be one of the largest purchases you will ever make and for that reason it can seem very daunting. However, it does not have to be a long and confusing process, particularly if you buy through a professional and experienced agent.

  1. Decide if buying a home is right for you
  • Although 86% of people in the UK want to own their own home, it’s not always right for everybody all the time
  • There are a number of things you need to think about before setting off on your home hunting quest – not least whether you can actually afford it. To arrange a call from one of our recommended independent financial advisors contact us on 01634 730672.
  1. Decide if you should sell first
  • If you are already a homeowner, decide whether you want to sell your house or flat before you buy. It can be dangerous in a rising market, but there are upsides. In particular, you will be able to pounce quickly when you do find the home of your dreams, and you won’t be trapped in a housing chain
  • If you decide to buy and sell at the same time we can advise you on the steps you can take to make things run more smoothly.
  1. Decide on your budget
  • How much do you want to spend? This might be dependent on how much of a deposit you can get together. See our useful mortgage calculator. 
  1. Get your finances in place
  • If you are a first-time buyer,work out how much of a deposit for the mortgage you can get together. Think about savings, the “bank of mum and dad”, the “bank of Granny and Grandpa” and If you have any savings on long term deposit that you plan to use, cash them in.
  • If you are selling your property in order to purchase a new one, get a valuation in order to see how much you would get if you put your current home on the market and how much equity you could use towards the next purchase.
  • Decide what sort of mortgage you want.
  • While you can’t get a mortgage before you buy, you can get a mortgage in principle, which will put you in a stronger position.
  • A mortgage broker can be particularly helpful if you would like advice on mortgages, they are able to search the full range of mortgages available in the market or if you have special circumstances such as being self-employed.
  1. Decide where you want to live
  • If you want to move to a new home close to where you already live, there is little to decide.
  • If you want to move to a different part of town, or across the country, then deciding on the area is more difficult and time consuming.
  • This is a very important decision – get it wrong and you will either be unhappy with where you live or face the costs of moving again. You must do your research thoroughly.
  • You may be considering whether to buy a new build or an existing older or period property.
  1. Choose a specific property
  • Once you know the area you want to live, you should start researching the properties in that area thoroughly, so you really get to know the local market well
  • You then need to contact local estate agents.
  • You need to visit as many properties as possible, and make sure they are no hidden surprises.
  • It’s also important to understand whether the property is freehold or leasehold, and that it is not on a short lease.
  1. Make an offer – and get it accepted
  • Make sure you are in the strongest possible position as a buyer. Having your finances in place will certainly help with this.
  • Decide how much you want to pay, including for fixtures and fittings.
  • Make the offer to the estate agent and seal the deal.
  • Hopefully your offer will be accepted by the seller.
  1. Arrange a mortgage
  • You should ideally have got your finances in place as much as possible before making an offer. If so, you now just need to go back to your mortgage company with the agreed offer and complete the process
  • If you haven’t got your finances in place, you must now scramble to do so as quickly as possible, before the seller loses patience.
  • You will need to get the lender to make you a formal mortgage offer before you can exchange contracts.
  • If buying with a mortgage, it is also a good time to consider getting life insurance advice.
  1. Appoint a solicitor or conveyancer
  • Once you have agreed an offer on your house, you need to get a solicitor or conveyancer to handle the legal work to transfer ownership of the property to you.  Greenleaf have a panel of recommended solicitors who are able to assist with your purchase.
  • Your mortgage company might require you to go with one that is on their panel, which might make the decision for you, however with our extensive panel we are sure to be able to place your case with an acceptable solicitor.
  • Work out how much conveyancing will cost with our free quotation system.
  • The solicitor or conveyancer will do the searches, such as with the local authority and Environment Agency, to ensure there are not any major problems with the property.  
  1. Decide if you want a survey
  • Your mortgage lender will require a valuation by a surveyor, to ensure that the property is a good enough to lend against. This is not a proper survey, and will only look very superficially at the property, if at all
  • You can usually either get the valuation upgraded to a full survey, or you can commission a separate survey. This should tell you everything you need to know about the property, and alert you to any potential problems you will face once you move in. Unless you are very experienced with property, it is usually worth getting a survey done.
  1. Arrange a deposit
  • Before you can exchange contracts, you need to arrange your deposit for the property to be transferred to your solicitor or conveyancer.
  1. Exchange contracts
  • When you exchange contracts with the seller you become legally committed to buying the property – and they are legally committed to selling it to you.
  • If you pull out after this without due reason, your deposit can be forfeited.
  • You should only exchange contracts after you have received the surveyors report, and any necessary action has been taken.
  • Before you exchange contracts, you need to agree a completion date with the seller.
  • You can only exchange contracts after the solicitor/conveyancer is satisfied with the searches, a formal mortgage offer has been received, and arrangements made for the deposit
  • You need to ensure that you take out buildings insurance for the property from the date of exchange, as you are responsible for it from then on. Indeed, it is usually a condition of the mortgage that you have buildings insurance in place.  
  1. Final arrangements and negotiations
  • You need to make arrangements for the supply of electricity, gas, water and telephone service. Often, it is easiest simply to change the account name for the existing suppliers to the property, rather than change suppliers, which you can do at a later date.
  • The solicitor/conveyancer will inform the land registry that they are in the process of transferring ownership of your property
  • Your solicitor/conveyancer should be liaising with the mortgage company to ensure the money will be ready for completion.
  1. Complete the sale
  • Completion is when you pay for the property and take ownership of it, and takes place at a certain time of day – often midday
  • On the day of completion, the money is transferred, and the deeds of the property are transferred, between each side’s conveyancer
  1. Take possession of your new home
  • The seller must leave the property by the time of completion, and you should then be able to collect the keys, normally from the estate agent
  • You are now free to move in.
  1. Pay stamp duty and settle with the solicitor and conveyancer
  • After completion, your solicitor or conveyancer will send you an account, covering all their costs and disbursements, as well as the purchase price of the house and stamp duty. Please see our handy stamp, duty calculator.
  • Your solicitor or conveyancer will normally pay the stamp duty for you, and ensure that the change of ownership is registered with the land registry.

 

If you require any advice or assistance the sales team at Greenleaf are on hand to answer any questions you may have.

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Properties

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4 Bed House - Semi-Detached 
For Sale

Common Creek Wharf, Rochester

Price Guide £625,000

GREENLEAF are delighted to introduce this stunning semi-detached house to the market, on a sought-after waterside development in Rochester ME1, available with NO CHAIN. This substantial family home is set over three spacious and light floors and boasts an integral tandem double garage, utility room, impressive integrated kitchen/lounge/diner, four double bedrooms with a master en suite, and balcony with direct river views over the river Medway and beyond. This beautifully presented property was built in 2021 (with the remaining NHBC guarantee) and features high quality fixtures and fittings throughout. Further benefits include stylish window shutters to front and rear, soft and filtered water drinking systems, downstairs WC/cloakroom, ample storage, built-in wardrobe, off street parking, and a west-facing, low maintenance patio and garden.

Brief layout: A spacious hallway with ample storage and stairs up to first floor, WC/cloakroom, utility room, and access to the tandem double garage; the first floor landing gives access to bedroom four and the kitchen/dining area/lounge, with stairs up to second floor giving access to the master bedroom and en suite, family bathroom, and bedrooms two and three.

Located within a 5 minute walk of the historic Rochester High Street with its range of cafes, restaurants boutiques, cathedral and castle, the mainline station is even closer and offers hi-speed services to London Bridge (40mins), Cannon Street (45mins), Victoria (45mins) and St Pancras (38 min) where you can catch the Eurostar. A local CO-OP store, Costa coffee and riverside walks are on your doorstep, and there are a range of schools, private and state, with the new Rochester Riverside primary school and Kings School all within walking distance. There are also excellent road links via the A2, M2, M20 and M25 to Maidstone, Canterbury, London, and Bluewater shopping centre. Stansted, Gatwick and London City airports can all be reached within 60-90 minutes by car.

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2 Bed Flat 
SSTC

New Road, Rochester

Price Guide £179,000

GREENLEAF are delighted to introduce this impressive two bedroom, rarely available first floor purpose-built apartment in sought after Rochester High Street, ME1, with NO ongoing chain. This well presented property is in fantastic condition throughout and benefits from a secure allocated off road parking space behind the apartment. This delightful property is available with vacant possession and is simply ready to move into and enjoy. The layout briefly consists of: Communal hallway with entry phone system leading to front door into hallway, giving access to two bedrooms, open-plan kitchen/lounge and bathroom W/C. The property further benefits from underfloor heating and a communal lift, and is conveniently located a short walk to the historic High Street and its range of restaurants, bars, boutiques, cathedral, Norman castle, River Medway, and train station with high speed service to London. Highly regarded local schools and all A2/M2/20 road links are close by, with Blue Water Shopping Centre a short drive away. We recommend viewing at your earliest convenience to avoid disappointment.
Council Tax Band B / EPC Grade B.

Ground Rent – £250 p.a.
Service Charge – £1800 (£150 p.c.m)
Lease – 111 years approx.

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3 Bed House - Mid Terrace 
For Sale

Maidstone Road, Rochester

Price Guide £385,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this spacious and well presented Georgian mid-terrace house to the market, in a sought-after Rochester ME1 location, within a short walk of all local amenities. Built circa 1860, and boasting three double bedrooms, two of which enjoy high ceilings and Velux skylights, an impressive bathroom with free-standing bath and separate shower, and a good size open-plan kitchen/dining room/lounge with doors out to the private rear garden, this characterful period family home is laid out over three stylish floors, and offers versatile and light accommodation throughout. There is also good potential to further extend to the rear subject to usual permissions and the new owners’ wishes, and a residents’ parking scheme on Maidstone Road, including visitor parking tickets.

The layout briefly comprises of: Hallway giving access to bedroom three and good size bathroom, stairs up to first floor and down to the lower ground floor. The compact first floor landing gives access to two impressive double bedrooms, whilst the lower ground floor provides a great space for all the family with good size kitchen/diner, open-plan to the lounge, and out to the garden

Set in the sought-after ME1 Maidstone Road location a short walk from highly regarded private and state schools, all local amenities and A2/M2/M20 road links are nearby. The historic High Street is within walking distance also, and offers a fine selection of cafes, restaurants, bars and boutiques, as well as the ever popular Norman castle, famous cathedral, and bi-annual Dickens festivals. Nearby Rochester station offers a 35 minute fast service into London St Pancras, whilst Blue Water shopping centre is a 20 minute drive away. Properties of this calibre and potential are few and far between, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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3 Bed House 
For Sale

Detling Hill, Detling, Maidstone

Offers In The Region Of £425,000

GREENLEAF PROPERTY SERVICES are please to offer to the market this beautifully presented detached chalet bungalow offering versatile accommodation. Set on a generous plot, this property also comes with an office, workshop and outbuilding which has a multitude of uses.
The accommodation comprises of entrance porch, entrance hall, lounge, dining room/bedroom four, kitchen/breakfast room, utility room, bedroom three and shower room with separate W/C. To the first floor there two further double bedrooms.
Situated in this convenient location, just off the A249, offers quick access to both Maidstone and Sittingbourne town centres, providing a variety of shopping, dining, and leisure opportunities. Additionally, the Hempstead Valley Shopping Centre is also easily accessible, located less than a 20-minute drive away. Sittingbourne Train Station is reachable in under 20minutes, providing convenient connections to London via the High-Speed rail services.
This is a rare opportunity so call now to arrange your appointment to view!

Freehold/EPC Grade F/Council Tax Band C

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3 Bed House - Semi-Detached 
SSTC

Romney Road, Chatham

Offers In The Region Of £350,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this immaculately presented semi-detached house set in this quiet cul-de-sac Location, with the added benefit of planning permission for a double story extension if required.

The accommodation comprises of entrance porch, entrance hall, lounge, fitted kitchen/dining room and conservatory which leads to the garden. To the first floor there are three bedrooms and bathroom W/C. Benefits include ample parking, well maintained garden with patio and decked area, double glazing and gas central heating.

Situated in a popular residential location in Walderslade close to local schools, all A2/M2/M20 road links are a short drive away, and the local supermarket is within a mile. There are nearby bus stops, and all local shops and amenities are a short distance away. The property is also within a short drive of Chatham, Gillingham and Rochester trains stations offering fast services into London, whilst Bluewater Shopping Centre and Hempstead Valley Shopping Centres offer a wide range of further shopping and leisure outlets.
EPC Grade Awaited/ Council Tax Band C

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2 Bed House - Mid Terrace 
SSTC

Bryant Road, Rochester

Price Guide £230,000

GREENLEAF PROPERTY SERVICES are delighted to present this two bedroom mid-terrace house to the market, in Strood, Rochester, bursting with potential. Whilst the property has been well cared for by the current owner-investor for many years, it would now benefit from a refurbishment and update throughout, subject to the new owners wishes. Boasting two double bedrooms, a basement, a useful utility room/office (formerly the kitchen/bathroom), a good-size upstairs bathroom and spacious garden, this family home with potential is enviably located a short walk to town and all amenities, the station with fast trains to London, highly regarded local schools for all age groups, and all A2/M2/M20 road links.
The layout briefly consists of: Lounge with stairs up to first floor, through to kitchen/diner with door out to garden, and doorway into utility room/office; The compact upstairs landing gives access to two double bedrooms, with the spacious bathroom off the second bedroom. In our opinion, the opportunity is there to move the bathroom downstairs to create a good size third bedroom subject to new owners wishes and usual permissions. Whether you are a first-time buyer or an investor looking to add to your portfolio, this is an opportunity not to be missed, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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5 Bed House 
For Sale

City Way, Rochester

Offers In The Region Of £725,000

GREENLEAF Property Services are delighted to introduce this stunning five double bedroom semi-detached house to the market, in sought-after City Way, ME1 Rochester. Immaculately presented, this fantastic family home boasts spacious accommodation throughout, an integral double garage, an in-out driveway with off road parking for several vehicles, and is ready to simply move into and enjoy.
The layout briefly comprises of; Hallway giving access to garage, dining room, shower room W/C, lounge, stairs up to the first floor, and an impressive kitchen/breakfast room. Upstairs the landing gives access to four double bedrooms with en-suite shower to master and family bathroom W/C. The spacious top floor offers an excellent size fifth bedroom, beautifully presented en-suite bathroom W/C and an en-suite dressing room which has the potential for use as a sixth bedroom. The property further benefits from a well maintained garden with patio area and two summerhouses.

Located conveniently close to all A2/M2/M20 road networks and train station with 35 minute fast trains to London, the historic High Street with it’s range of quirky boutiques, restaurants, bars and bi-annual Dickens festivals is also close by, as are highly regarded schools for all age groups including two grammar schools and St. Andrews and Kings Private schools. The famous cathedral, Norman castle, River Medway, local leisure facilities and amenities are all just a short walk away. Properties of this calibre and location are rarely available, we recommend viewing at your earliest convenience to avoid disappointment.

EPC Grade D/ Council Tax Band F.

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2 Bed Apartment 
For Sale

Esplanade, Rochester

Offers In The Region Of £295,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this stunning and rarely available two bedroom apartment to the market, located in highly sought-after Chandlers Wharf, on the Esplanade in Rochester ME1. Boasting fantastic panoramic river views from both the lounge, balcony and kitchen, this truly exceptional apartment further benefits from a garage, parking space, a long lease of approximately 974 years with a share of the freehold, and is spacious and well presented throughout.

The layout briefly comprises of: Entrance hall, lounge/dining room with sliding doors out to the balcony, kitchen, bathroom/WC, and two bedrooms with the master benefitting from an en-suite.

Enviably located on the river Medway with beautiful views, sunsets and walks to enjoy, Churchfields open space is just a short walk away, as is the Dickensian High Street with its range of bars, boutiques, cafes, restaurants, bi-annual Dickens festivals, famous cathedral and Norman castle. Highly regarded schools for all age groups are also nearby including Kings and St Andrews Private Schools, with grammar school options a short drive away. The station with fast trains to London St Pancras is within walking distance, whilst all A2/M2/M20 road links are a short drive away.

Properties of this quality and location, and with these outstanding views really are few and far between, we therefore recommend viewing at your earliest convenience to avoid disappointment.

Lease 974/ Share of Freehold/Service Charge- £1850 p.a. Council Tax Band D/EPC Grade C

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3 Bed House - Detached 
For Sale

Prince Charles Avenue, Chatham

Price Guide £450,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this truly impressive detached three bedroom double-aspect bungalow to the market, in sought-after Walderslade, Chatham-available with NO ONGOING CHAIN! This beautiful family home has been completely refurbished and updated by the current owners to a high standard, including a stunning new “Porcelain” kitchen with integrated appliances and double doors into the lounge, new windows to the rear of the property, new oak doors, quality laminate flooring and neutral carpets throughout, a new boiler and radiators, and is simply ready to move into and enjoy. Further benefits include a fantastic block-paved driveway for several vehicles, a generous size patio to the rear, a beautiful established raised lawn garden with potential, and a loft room complete with dormer window with potential to create further accommodation subject to usual permissions and the new owners wishes.

The layout briefly consists of: Storm porch into the hallway giving access to bedrooms one and two, bathroom, and the lounge through to the kitchen/diner, utility/garden room, and bedroom three. The loft is accessed via a loft ladder in the hallway.

Situated in a popular residential location in Walderslade close to local schools, all A2/M2/M20 road links are a short drive away, and the local supermarket is within a mile. There are nearby bus stops, and all local shops and amenities are a short distance away. The property is also within a short drive of Chatham, Gillingham and Rochester trains stations offering fast services into London, whilst Bluewater Shopping Centre and Hempstead Valley Shopping Centres offer a wide range of further shopping and leisure outlets.

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3 Bed House - End Terrace 
For Sale

The Tideway, Rochester

Offers In The Region Of £295,000

GREENLEAF PROPERTY SERVICES are please to offer this well-presented three bedroom end terraced property to the market, in a sought-after residential location within Rochester, ME1. Whilst there is currently a tenant in situ, (a fantastic investment opportunity with a rental income of £1400 per month), they are looking to vacate in due course, therefore the opportunity is also there for any residential buyers to purchase for themselves to live in.
The accommodation comprises of entrance, kitchen/dining room and spacious lounge. To the first floor there are three bedrooms, bathroom and separate W/C. Benefits include double glazing, gas central heating and a good size rear garden.
Situated in this ever-popular residential area, this lovely family home is close to all local amenities and schools, A2/M2/M20 road links and the historic town centre with its array of cafes, restaurants, bars and boutiques. The station offers fast service into London St Pancras.

EPC GRADE C/ COUNCIL TAX BAND B

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3 Bed House - Semi-Detached 
For Sale

Nickleby Close, Rochester

Offers In The Region Of £330,000

Greenleaf Property Services are pleased to offer to the market for the first time in nearly 30 years this well presented semi detached property situated in the sought after Nickleby Close, Rochester.

The accommodation comprises of entrance porch, utility room, entrance hall, spacious lounge, kitchen/dining room and bathroom W/C. To the first floor are three bedrooms. Benefits include double glazing, gas central heating and an enclosed well maintained rear garden.

Located within walking distance of Rochester’s sought-after grammar schools, further schools for all age groups are a short distance away. All A2/M2/M20 road links and bus stops are nearby, as is the historic High Street with its range of cafes, restaurants, bars, boutiques, and famous cathedral and Norman castle. Rochester and Chatham stations offer a fast service into London St Pancras, whilst all local shops and amenities are within walking distance also.
Whether you are a first-time buyer or looking to add to your portfolio, this semi-detached property is sure to be of interest, we therefore recommend viewing at your earliest convenience to avoid disappointment.

EPC Grade D/Council Tax Band C.

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5 Bed House - Semi-Detached 
SSTC

Benenden Road, Rochester

Price Guide £450,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this substantial extended five bedroom semi-detached house to the market located in sought-after Wainscott ME2, and available for the first time in just under 70 years! This versatile and spacious family home was bought new by the current owner’s family in 1956, extended in 1982, and is offered to the market with NO ONGOING CHAIN. Whilst in need of some updating and modernising throughout, the property offers fantastic accommodation and potential for any discerning buyer, and enjoys a good size corner plot, with ample off road parking, potential for more, an integrated double garage, spacious open-plan lounge/diner, conservatory, kitchen/breakfast room, two bathrooms, a separate WC, established gardens to front and rear, and solar panels.

The layout briefly consists of: Hallway giving access to lounge/diner through to conservatory, kitchen/breakfast room through to rear lobby, bathroom and integral garage, and stairs up to first floor; The first floor landing gives access to five bedrooms-(one of which has previously been used as an upstairs kitchen)- shower room and separate WC. The loft is boarded, has power and light, a basin, and potential for further accommodation subject to usual permissions and new owners wishes.

Located close to highly regarded local schools for all age groups including the new Maritime Academy currently under construction, all A2/M2/M20 road links are a short drive away. Strood and the historic Rochester town centres offer a wide range of shopping facilities, restaurants, cafes and bars, whilst the comprehensive Dockside outlet is a short drive away also. Strood station is a short walk away and offers a fast train service to London St Pancras, whilst bus stops are nearby also.
Opportunities such as this are few and far between, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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