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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2 Bed House 
For Sale

Pleasant Row, Gillingham

Offers In The Region Of £185,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this beautifully presented apartment to the market, in sought-after Brompton, Gillingham. Set on the second floor, this very impressive property boasts two double bedrooms, a recently refitted kitchen and en-suite shower room, allocated off road parking with electric gate, and a balcony with stunning far reaching views. This property is quite simply ready to simply move in and enjoy.
The layout briefly consists of: Hallway giving access to two double bedrooms, en suite, storage cupboard, bathroom W/C, kitchen and lounge giving access out to the balcony.
Ideally located close to all amenities and the town centre offering a range of dining, leisure and shopping facilities, the bus and train stations are nearby with fast services to London, as are all A2/M2/M20 road links. The nearby historic Dockyard offers a further extensive range of dining, leisure and shopping facilities, whilst local schools and parks are nearby. Properties of this quality and in this location are rarely available, we therefore recommend viewing at your earliest convenience to avoid disappointment. EPC awaited. Council tax band B.

Service charge – £1800 p.a.
Ground rent – £100 p.a
Lease – 104 years approx.

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3 Bed House 
For Sale

St. Peter Street, Rochester

Offers In The Region Of £285,000

Greenleaf Property Services are pleased to offer for sale this immaculately presented end of terrace freehold house, conveniently situated within walking distance of Rochester Town Centre. This spacious and stylish three bedroom family home has been maintained to a high standard and must be viewed at your earliest convenience to avoid disappointment.
The accommodation comprises of entrance hall, cosy lounge and good size fitted kitchen/dining room. To the first floor there are three separate bedrooms and bathroom W/C. The property further benefits from a good size rear garden with patio area, double glazing and gas central heating.
Nearby historic Rochester High Street offers a range of restaurants, bars and boutiques, Norman castle and famous cathedral, with beautiful riverside views and walks. Rochester train station provides a 35 minute fast service to London St Pancras, whilst all A2,M2 & M20 road links are nearby. Highley regarded local schools are within walking distance and the property is ready to move into and enjoy, we therefore recommend viewing at your earliest convenience to avoid disappointment.
EPC Grade awaited. Council Band D.

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3 Bed House 
For Sale

City Way, Rochester

Offers In The Region Of £425,000

GREENLEAF are delighted to introduce this extended 1930s three bedroom semi-detached bay-fronted house to the market, on the highly sought-after City Way, Rochester, ME1. This well presented family home boasts spacious accommodation throughout including a stylish extended kitchen/diner, and further benefits from off road parking and a garage to the rear, a good size established rear garden with patio area, useful versatile basement area, and potential for a substantial loft conversion subject to usual permissions.
The layout briefly consists of: Entrance with stairs up to the first floor, lounge, open plan kitchen/dining room with integrated appliances and downstairs cloakroom W/C. The upstairs landing gives access to three bedrooms and the family bathroom. To the rear, there are a few steps down to the spacious patio and garden, with access to a bonus basement/storage area.
Located a short walk to historic Rochester High Street and its range of quirky boutiques, bars, restaurants and cafes, the nearby station offers fast services into London St Pancreas. Highly regarded local schools for all age groups are nearby, whilst all A2/M2/M20 road links are a short drive away. We recommend viewing at your earliest convenience to avoid disappointment.
Council Tax band D. EPC Grade C.

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2 Bed Coachhouse 
For Sale

Corliss Vale, Wouldham, Rochester

Price Guide £320,000

Greenleaf Property Services are pleased to offer for sale this impressive modern two bedroom coach house situated on the sought after riverside development of St. Peters Village. Boasting two double bedrooms, an en suite, under-croft parking, and spacious well presented accommodation throughout, the property would make an ideal first purchase or perhaps an investment opportunity, with the added benefit of a remaining new build warranty.

The accommodation briefly comprises of: Your own front door into the entrance hall with good size utility cupboard, upstairs to the open plan lounge/dining room and fitted kitchen with integrated appliances, two bedrooms with en-suite shower W/C to master bedroom, and family bathroom W/C. Further benefits include gas central heating, double glazing, and the under croft parking to rear.

Located in the sought-after St Peters Village, just a short walk to beautiful countryside and riverside walks, all A2/M2/M20 road links are a short drive away. Nearby Rochester, Maidstone and Snodland offer fast train services into London and a wealth of shopping, leisure amenities, and highly regarded schools for all age groups. Interest is sure to be strong in this ready-to-move-into property, we therefore recommend viewing at your earliest convenience to avoid disappointment.

EPC GRADE B / COUNCIL TAX BAND C

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1 Bed Flat - Studio 
SSTC

Alexandra Street, Maidstone

Price Guide £115,000

GREENLEAF are delighted to introduce this spacious purpose built studio apartment in a fantastic location close to Maidstone town centre and Maidstone East railway station, within a short walk of all shopping, dining and leisure amenities. Located on the second (top) floor with beautiful far reaching views, the property further benefits from a garage en bloc, storage heater and double glazing, and with it’s 995 year lease and share of freehold would suit any first-time buyers wanting to get their foot on the property ladder, or indeed investors looking to add to their portfolio.

The layout briefly consists of: Hallway giving access to the bathroom and through to the main living room consisting of a modern kitchen area with window to side, separated by a breakfast bar, and open-plan into the main living/sleeping space which has the potential in our opinion to be partitioned to create a separate lounge and bedroom, subject to usual permissions. There is a large outside storage cupboard adjacent to the front door, whilst internally there are two further storage cupboards.

The development is ideally located on it’s own grounds with generous outside space and there is barrier-controlled parking and private access. All A2/M2/M20 road links are nearby, as are beautiful riverside walks and local shops and amenities. Whilst the property has been well cared for by the current owner for many years, the opportunity is there for the new owners to update and modernise to their own requirements, we recommend viewing at your earliest convenience to avoid disappointment.

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3 Bed House - Mid Terrace 
For Sale

Demelza Close, Cuxton, Rochester

Price Guide £400,000

GREENLEAF PROPERTY SERVICES proudly introduce this beautifully presented three bedroom mid-terrace house to the market, in sought-after Cuxton, Rochester. Built in approx 2004, and located in a highly sought-after residential cul de sac, this fantastic family home enjoys spacious accommodation throughout, including a good size lounge, impressive conservatory/dining room, garage currently used as a play-room but easily converted back if desired, and a low-maintenance garden with recently new pergola/decked area for outdoor dining and entertaining. Further benefits include a recently updated kitchen and new en suite, a great sized master bedroom, and block-paved off-road parking for approximately four cars.
The layout briefly consists of: Hallway giving access to cloakroom/WC, kitchen, stairs up to first floor, lounge open-plan to conservatory/diner and out to garden, and into converted garage/playroom: The upstairs landing gives access to three double bedrooms, en suite, bathroom, and loft.
This beautiful property is enviably located close to Cuxton village boasting a post office, supermarket, doctors surgery, library, garage, public house, nearby primary school, beautiful countryside walks, and the train station with high speed rail link into London St Pancras. There is also a regular London commuter coach service, whilst all A2/M2/M20 road links are a short drive away. Historic Rochester and Strood towns are also within easy reach, and offer an extensive array of shops, restaurants, and leisure amenities. Interest is sure to be strong in this impressive property, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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2 Bed House 
SSTC

Wake Road, Rochester

Offers In The Region Of £290,000

Greenleaf Property Services are pleased to offer for sale this immaculately presented semi-detached property, situated in a popular residential location within Rochester. The accommodation comprises of entrance hall, lounge and recent newly fitted kitchen/dining room. To the first floor there are two double bedrooms and a recently fitted bathroom W/C . The property further benefits from a good size rear garden with a fantastic log cabin/summerhouse perfect for a variety of uses, as well as double-glazing throughout, gas central heating and block-paved off road parking.
Nearby historic Rochester High Street offers a range of restaurants, bars and boutiques, Norman castle and famous cathedral, with riverside views and walks nearby. Rochester train station provides a 35 minute fast service to London, whilst all A2//M2/M20 road links are a short drive away. With highly regarded schools for all age groups within walking distance, and beautiful family home ready to move into and enjoy, we recommend viewing at your earliest convenience to avoid disappointment. EPC Grade C. Council Band C.

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3 Bed House - Semi-Detached 
For Sale

Valley View Road, Rochester

Offers In The Region Of £425,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this well presented three bedroom extended semi detached house to the market, on the sought-after Valley View Road Rochester, with NO ONGOING CHAIN. The accommodation comprises of entrance hall, Lounge, sitting room, dining area, fitted kitchen, conservatory, utility room with cloakroom W/C and garden room. To the first floor there are three bedrooms and family bathroom W/C with separate shower. The property benefits from a garage to side, off road parking, good size rear garden and further workshop/garage to rear measuring approximately 8.6m x 5.33m. This lovely family home is ready to move into and enjoy, whilst also offering potential for the new owners to add their own stamp to the property as and when desired.
Located within a walk of the highly regarded Rochester Grammar School and Sir Joseph Williamson’s Mathematical School, all A2/M2/M20 road links are a short drive away. Nearby historic Rochester High Street offers a range of restaurant, cafes, boutiques and independent shops, as well as the Norman castle and famous cathedral. Leisure and shopping amenities are also nearby, whilst Rochester station offers a 35 minute fast train service to London St Pancras. Whether you are a first-time buyer, buy-to-let investor or simply down-sizing, interest is sure to be strong in this well presented and located family home, we therefore recommend viewing at your earliest convenience to avoid disappointment.
Council Tax Band D. EPC Grade D.

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3 Bed House 
SSTC

Wivenhoe Close, Rainham, Gillingham

Offers In The Region Of £325,000

Greenleaf Property Services are pleased to offer to the market this semi-detached house set in this popular location in Rainham, offering NO CHAIN! Although in need of some modernisation this property would make an ideal family home! The accommodation comprises of entrance hall, lounge, separate dining room and fitted kitchen. To the first floor there are three good size bedrooms and family shower room W/C. Benefits include good size garage to side, off road parking and enclosed good size rear garden rear.

Wivenhoe Close is a popular family location close to local amenities and ideal for those looking for access to the station. Rainham mainline railway station is in walking distance and commuters can expect to reach the city within the hour. Rainham has a range of Schools, shops, doctors surgeries and a post office. M2/M20 motorway links are accessible from the main A2 giving road links to London and to the Kent Coast.

EPC Grade Awaited. Council tax band D.

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5 Bed House - End Terrace 
For Sale

Boundary Road

Price Guide £480,000

GREENLEAF PROPERTY SERVICES proudly introduce this substantial extended five/six bedroom end of terrace house to the market, enviably located on the Chatham/Rochester borders, and available with NO ONGOING CHAIN. Boasting a great size open-plan lounge diner, separate reception room which could be utilised as a sixth bedroom, utility room, downstairs shower-room, upstairs bathroom and en suite, and a garage to the rear with parking. Further benefits include a good size block-paved garden, with double gated entrance thus providing further parking options subject to the new owners wishes, and off road parking directly in front of the house. This 1930s bay-fronted family home is well presented throughout and ready to move into, whether you are a family upsizing, an investor looking for a potential conversion to flats or possibly an HMO (subject to consents), interest is sure to be strong in this versatile property, we therefore recommend viewing at your earliest convenience to avoid disappointment.

The layout briefly consists of: Entrance porch into hallway giving access to reception room/bedroom six, lounge/diner, utility room, kitchen and shower-room, and stairs up to the landing giving access to five further bedrooms, en suite and family bathroom.

Located within walking distance of both Chatham and Rochester stations with 40 minute fast trains to London, local shops and amenities are nearby, as are highly regarded schools for all age groups. Rochester and Chatham town centres offer a vast selection of shopping, dining and leisure facilities, and all A2/M2/M20 road links to London and coast are nearby.

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2 Bed Apartment 
SSTC

St. Margarets Street, Rochester

Price Guide £220,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this stunning and rarely available two bedroom first floor apartment to the market, located in highly sought-after St Margaret’s Street, Rochester ME1. Boasting fantastic panoramic river views from both the lounge, kitchen and second bedroom, this truly exceptional apartment further benefits from a complete refurbishment to a high standard, a new 125 year lease (in progress), good size established communal gardens, and spacious well presented rooms throughout.

Enviably located overlooking the river Medway with beautiful views, sunsets and walks to enjoy, Churchfields open space is 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. Council Tax Band B. EPC Awaited.

Lease 125 years (in Progress)
Service Charge- £300 p.a.

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1 Bed Apartment 
SSTC

High Street, Rochester

Price Guide £160,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this beautifully presented one bedroom leasehold flat to the market, on the sought-after Rochester High Street, ME1. With gated access and a secure entry-phone system, this impressive property is enviably located on the top floor with lift access, and offers far reaching views across the River Medway, Rochester castle and cathedral from the fantastic private balcony to the rear. Further benefits include secure allocated off-road parking, a long lease, and stylish marble-effect porcelain tiles to the kitchen/lounge and hallway, with tasteful decoration throughout.

The layout briefly consists of: Hallway giving access to useful large storage cupboard, kitchen/lounge with integrated fridge-freezer, gas hob and washing machine, impressive modern bathroom, and bedroom with potential for wardrobes to stay.

Located just a short walk to Rochester station with 40 minute fast trains to London St Pancras, the nearby historic High Street offers a fantastic range of restaurants, cafes and independent shops, as well as the ever popular bi-annual Dickens festivals, and imposing castle and cathedral. Beautiful river walks are on your doorstep, as are highly regarded schools for all age groups, and all A2/M2/M20 road link are a short drive away.

Whether you are a first-time buyer, downsizing or adding to your portfolio, this fantastic apartment is simply ready to move into and enjoy, we therefore recommend viewing at your earliest convenience to avoid disappointment. EPC Grade B. Council Tax Band B.

Service charge-£148.90 Per Month
Ground Rent-£243.98 Per Year
Lease 112 years approx.

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