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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Retail 
For Sale

High Street, Rochester

Offers In The Region Of £675,000

Rarely Available!!! Greenleaf are delighted to offer FOR SALE this prime commercial property set within the historic and popular Rochester High Street. The property currently used as A1 benefits from change of use to A3 with conditions under planning app MC/19/1724. This former town house property dates back to circa. 1710 and is Grade 2 listed with a total of approx 3933 sq ft spread over 4 levels and has great potential for either owner occupation or investment and redevelopment. The current accommodation comprises of basement storage room, large ground floor shop/display area, storage loft, 1st floor display/retail area and 2nd floor is currently fitted out as studio flat (subject to planning). Viewings are strictly by appointment only via Greenleaf Property Services.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

2 Bed Flat 
For Sale

Weald Close, London Se16

Offers In The Region Of £345,000

Greenleaf Property Services are delighted to offer for sale this two bedroom purpose built flat located in the popular South Bermondsey area of London. The property situated on the 3rd floor, comprises hallway, reception room, two double bedrooms, separate kitchen and bathroom. Also benefits from allocated parking. Ideal first time or investment buy.

Close to Southwark Park and Old Kent road. South Bermondsey station is close offering direct links to London Bridge, and Bermondsey Underground station is within walking distance. Bermondsey is situated on the south bank of the River Thames and is one of the capital’s most up and coming areas. The area is on the Jubilee line making Canary Wharf and West London easily accessible. The area has a weekly antiques market on a Friday and is a short walk to Shad Thames & Bermondsey Street which are home to an array of bars and restaurants.

The current owner is in the process of renewing the lease for another 158 years, currently the lease has 68 years left. Service charge and ground rent currently £92.40.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

2 Bed House - Mid Terrace 
For Sale

East Street, Chatham

Price Guide £180,000

BUY TO LET INVESTMENT OPPORTUNITY WITH TENANTS IN RESIDENCE

GREENLEAF are delighted to introduce this two bedroom mid-terrace house to market in Chatham, Medway, with tenants to remain in residence. Boasting a separate lounge and dining room, kitchen, two bedrooms, with the bathroom upstairs located off the second bedroom, cellar, and there is also potential for a downstairs WC to be installed subject to new owners wishes and permissions. There is an attractive private garden to the rear and whilst the property is well presented throughout, the opportunity is there to update and further improve if desired. The layout briefly consists of: front door into dining room, through to stairs up to first floor, lounge through to kitchen, rear lobby with access to storage area and door to garden; upstairs the landing gives access to two double bedrooms, one of which leads through to the spacious bathroom. Located close to the station with fast trains to London, the property is also a walk to town and all amenities, local schools, and bus services. A2/M2/M20 roads links to London and coast are also all close by. We recommend viewing at your earliest convenience to avoid disappointment.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

3 Bed House - Mid Terrace 
For Sale

Priestfield Road, Gillingham

Price Guide £215,000

BUY TO LET OPPORTUNITY WITH TENANTS IN RESIDENCE

GREENLEAF are delighted to introduce this spacious three bedroom, mid-terrace bay-fronted house to the market, in Gillingham Kent, to be sold with tenants in residence. Whilst the property is in need of a freshen up to the exterior, the internal accommodation is very well presented and cared for by the current tenants, and retains many original features. Boasting three separate bedrooms, an attractive lounge with bay window and separate dining room, good size kitchen, upstairs bathroom and downstairs WC, the garden is also in good order with low maintenance artificial lawns and an attractive patio area. The layout briefly consists of: entrance hallway giving access to lounge, stairs up to first floor, dining room through to kitchen with doors to WC and out to garden; the spacious landing gives access to two double bedrooms, one single bedroom and bathroom. Located close to town and all shops and amenities, local schools are close by, as is the station with fast trains services to London and coast. A2/M2/M20 road links to London and coast are all close by, and Dockside Outlet Shopping Centre is a short drive away also. We recommend viewing at your earliest convenience to avoid disappointment, this will make an impressive addition to your portfolio.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

6 Bed House - Detached 
For Sale

Maidstone Road, Rochester

Price Guide £850,000

GREENLEAF are delighted to introduce this imposing and substantial bay-fronted detached house to the market, on sought-after Maidstone Road, Rochester, ME1. Built in 1864, and boasting truly spacious rooms with high ceilings and many original features over approximately 5,300 sq feet of potential, this extended family home is available immediately with vacant possession and NO ONGOING CHAIN. Whilst the property has most recently been used as offices and is in need of updating and modernisation throughout, the opportunity is there to create an exceptional family home to your own requirements, or alternatively for possible redevelopment to six apartments or indeed an HMO, subject to planning permission. (Architects drawings are potentially available for all three propositions). Set on a good size walled and fenced plot, with potential for further development (subject to planning), extensive beautifully established gardens wrap around the property to all sides. There is double-gated off road parking, a large patio area, three sheds, a writing hut for renovation, and an extensive basement with potential for self-contained accommodation. Laid out over three floors, the property consists of twelve rooms, four kitchens and bathrooms, four basement rooms, gas central heating and a mixture of sash and double-glazed windows. Located within half a mile of the historic Dickensian Rochester High Street and its range of boutiques, restaurants, cafes, Castle and Cathedral, the station offers hi-speed services to London and coast. There are quality schools for all age groups within walking distance, including Kings and St. Andrews, whilst all A2/M2/M20 road links to London, coast, Bluewater Shopping Centre and Gatwick Airport are nearby. We recommend viewing at your earliest convenience to avoid disappointment, this is an opportunity not to be missed.

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3 Bed House - End Terrace 
SSTC

Acorn Road, Gillingham

Price Guide £275,000

GREENLEAF are delighted to introduce this beautifully presented three bedroom end of terrace house to the market, in a popular residential cul de sac in Gillingham. This impressive bay-fronted family home boasts a stunning recently-new kitchen/diner and boiler, separate lounge with feature fireplace, large decked terrace, and a great size established garden complete with summerhouse/office with power, heating and light. The property is tastefully presented throughout with good size rooms, and is simply ready to move into and enjoy. The layout briefly consists of: Hallway giving access to lounge, stairs up to first floor, and kitchen/diner; doors from here lead out to the generous decked terrace and garden; the upstairs landing gives access to three bedrooms, family bathroom, and good size loft with potential for conversion and further accommodation subject to planning permission. Located close to quality locals schools, A2/M2/M20 road links, local shops and amenities including the Dockside Outlet Shopping Centre, Gillingham train station is also a short distance away with fast services to London and coast. We look forward to hearing from you soon and recommend viewing at your earliest convenience to avoid disappointment.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

3 Bed House - End Terrace 
SSTC

St. Williams Way, Rochester

Price Guide £360,000

GREENLEAF are delighted to introduce this spacious and well presented three bedroom double aspect end of terrace house to the market, in sought-after Rochester ME1. This impressive family home benefits from a double storey side-extension to provide a great size lounge/diner and master bedroom with en suite; the property also boasts a conservatory, double garage with off road parking, front and rear gardens, and is conveniently located a short walk into town and all local amenities. The layout briefly consists of: hallway giving access to WC/shower-room, kitchen and lounge/diner through to conservatory, and stairs up to first floor: the upstairs landing gives access to two double bedrooms, en suite and single bedroom/office. Located within walking distance of quality local schools for all age groups, the historic High Street and its range of boutiques, cafes and bars is also a walk away, providing all local amenities including doctors surgery and train station with 35 minute fast trains to London. A2/M2/M20 road links are close by, whilst Ebsfleet Station and Bluewater Shopping Centre are a short drive away. With plenty of local green space and riverside walks on your doorstep, interest is sure to be strong in this ready-to-move-into-property, we therefore recommend viewing at your earliest convenience to avoid disappointment.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

3 Bed Bungalow - Detached 
SSTC

Courtfield Avenue, Chatham

Price Guide £425,000

GREENLEAF are delighted to introduce this well presented three bedroom extended detached bungalow to the market, in Lordswood Chatham, available with NO ONGOING CHAIN. Set on a substantial corner plot, this impressive property boasts a detached garage, generous off road parking, three double bedrooms, en suite, bathroom and separate WC, great size lounge and dining room, garden, patio, and two spacious lofts. Whilst the property has been much cared for by the previous owner the potential exists to further improve and update to the new owners wishes. The layout briefly consists of: Entrance porch and hallway giving access to two double bedrooms, WC, bathroom and kitchen; the spacious lounge leads through to the equally spacious dining room, and a further double bedroom and en suite. A good size patio runs the full width of the property, with artificial lawn area and established plants and shrubs surrounding- the detached garage is located to the rear offering potential for office/gym conversion if desired, and there is gated access to the front from both sides. Located close to quality local schools, doctors surgery/medical centre, leisure centre, A2/M2/M20 road links and all local amenities, Chatham station with fast trains to London is a short drive away. We recommend viewing at your earliest convenience to avoid disappointment.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide only, and are not precise. If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

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3 Bed Bungalow - Semi Detached 
For Sale

Gerrard Avenue, Rochester

Price Guide £425,000

GREENLEAF are delighted to introduce this well presented three double bedroom semi-detached bungalow to the market, in sought-after ME1 Rochester. Set back from the road on a generous corner plot with ample off road parking, garage and deceptively spacious accommodation throughout, this lovely 1930s bay-fronted family home also has potential for a loft conversion subject to usual planning permissions. The layout briefly consists of: Entrance and inner hallway leading to two double bedrooms, bay-fronted lounge, bathroom (with separate shower), and kitchen/diner through to further double bedroom. The garden is accessed from the kitchen area, with gated side access also from the front of the property. The garage is currently split into two storage and utility areas, with access into the spacious loft from here. The property is located close to quality local schools for all age groups and the historic High Street with its range of cafes, bars and boutiques, cathedral and Norman Castle. Nearby Rochester and Chatham stations provide fast services to London and coast, and all A2/M2/M20 road links are a short drive away. This delightful bungalow has been much cared for by the current owners for many years and is ready to move into and enjoy, potentially with no ongoing chain, we therefore recommend viewing at your earliest convenience.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

4 Bed House - Semi-Detached 
SSTC

Brambletree Crescent, Rochester

Price Guide £450,000

GREENLEAF are delighted to introduce this spacious and well presented semi-detached house, in sought-after ME1 Rochester, with NO ONGOING CHAIN. The property is set over three floors, boasting four bedrooms, two bathrooms, walk-in wardrobe, open-plan lounge/diner, tandem garage with off road parking and good size garden complete with bar and decked area. Refurbished and redecorated throughout to a high standard in recent years using quality natural materials, further benefits include underfloor heating in the shower room, heated bathroom wall, quality engineered flooring, fixtures and fittings, and recent new boiler. The layout briefly comprises of: Spacious hallway through to kitchen and dining room, open plan to lounge; the first floor landing gives access to three bedrooms and bathroom; the second floor landing gives access to master bedroom, “en suite” shower room and walk-in wardrobe. Located in a peaceful residential Crescent a walk from quality local schools, the historic High Street offers a range of shops, bars, restaurants and cafes, castle and cathedral, whilst Rochester station provides a high speed service to London and coast. A2/M2/M20 road links are close by, as are beautiful countryside walks over the North Downs and along the nearby River Medway. We recommend viewing at your earliest convenience to avoid disappointment.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

3 Bed House - Semi-Detached 
SSTC

Frittenden Road, Wainscott, Rochester

Price Guide £350,000

GREENLEAF are delighted to introduce this well-presented three bedroom semi-detached house to the market, in sought-after Wainscott, Rochester. This spacious family home has been much cared for by the current owners for many years, and boasts two double bedrooms with fitted wardrobes, a good size single bedroom/office, open-plan lounge-diner, porch, good size conservatory, generous established rear garden with two patio areas, (shed and greenhouse to stay), and off road parking for two cars. Further benefits include a recently new quality boiler, and a good size boarded loft with ladder, power and light, offering potential for conversion, subject to planning. The layout briefly comprises of: Entrance porch into spacious hallway giving access to kitchen, lounge/diner through to conservatory, and stairs up to first floor; the landing gives access to three bedrooms, bathroom and loft; access to the garden via kitchen and conservatory.
Located within walking distance of quality local schools and amenities, Strood station is nearby with fast services to London and coast, as are A2/M2/M20 road links. Strood town centre offers a range of shopping, dining and leisure facilities, whilst Bluewater Shopping Centre is a short drive away. We recommend viewing at your earliest convenience to avoid disappointment.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

2 Bed House - Mid Terrace 
SSTC

St. Andrews Walk, Allhallows, Rochester

Price Guide £235,000

GREENLEAF are delighted to introduce this beautifully presented and extended two bedroom mid-terraced house to the market, in sought-after Allhallows, Rochester. Boasting attractive low-maintenance front and rear gardens with off road parking and space for a garage if desired, this attractive family home is peacefully located on St Andrews Walk, opposite an attractive green space and a short walk to to the village and local amenities. The layout briefly consists of : Entrance porch into spacious hallway giving access to kitchen, stairs up to first floor, great size lounge through to extension and dining area, with sliding doors onto patio and garden; Upstairs the landing gives access to two good size double bedrooms and bathroom. To the rear, an access road leads to gated off road parking for two cars. Allhallows is located in a rural setting within the Hoo peninsular with the village providing a primary school, local shops and doctors. Nearby Hoo provides a more comprehensive range of amenities including leisure centre, swimming pool, secondary school, restaurants, pubs and shops. There are lovely riverside and country walks on your doorstep, with bus services and easy access to the A2/M2 road links. Railway stations with fast train services to London are available from Strood and Higham, with a high speed service from Ebbsfleet.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability given. All measurements have been taken as a guide to prospective buyers only, and are not precise. If you require clarification or further information on any points, please contact us.

More Details