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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3 Bed House - Semi-Detached 
For Sale

South Avenue, Gillingham

Price Guide £399,995

GREENLEAF are delighted to introduce this substantial three bedroom well presented semi-detached house to the market in Gillingham, Kent. Boasting bay windows, stunning original oak flooring throughout, feature fireplaces, an extended kitchen, patio, garden and a large garage/workshop for three or four cars. This beautiful 1930s Ballard property benefits from generous room sizes and high ceilings throughout, and is set in a cul de sac location close to the nearby tennis club. Whilst the property has been much loved by the current owner for many years and is ready to move into and enjoy, the opportunity is also there to further update and improve subject to the new owners wishes.
The layout briefly consists of: Entrance porch into the main hallway giving access to lounge, dining room, and extended kitchen out to potential WC, access to garden and garages/workshop from dining room and kitchen. The spacious upstairs landing gives access to three double bedrooms and family bathroom.
Located within a walk of Vinall Park and quality local schools, all A2/M2/M20/M25 road links to London and coast, leisure, shopping and local amenities are on your doorstep, whilst the Medway hospital and train stations to London are a short drive away. We recommend viewing this fantastic family home 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.

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3 Bed House - Detached 
For Sale

City Way, Rochester

Price Guide £575,000

GREENLEAF are delighted to introduce this beautifully presented, three bedroom detached chalet bungalow to the market, in the highly sought-after location of City Way, Rochester, ME1. This individual and impressive family home boasts gated off road parking, manageable gardens to three sides, two en suites, spacious and tastefully decorated rooms throughout, and is available potentially fully furnished, and with no ongoing chain. The layout briefly comprises of- Entrance porch opening into impressive hallway, access from here to kitchen/diner, lounge, WC, double bedroom three with en suite shower room, large storage cupboard, and stairs up to first floor; The landing gives access to two further double bedrooms, en suite shower room and family bathroom. Located close to quality local schools, A2/M2/M20 road links to London, Bluewater Shopping Centre and coast, the historic Rochester High Street with it’s range of quirky boutiques, restaurants, bars, River Medway, cathedral, Norman castle, and station with 35 minute fast trains to London is a brisk walk 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, and are not precise. If you require clarification or further information on any points, please contact us, especially if you are travelling some distance to view. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

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4 Bed House - Semi-Detached 
SSTC

The Ridgeway, Chatham

Price Guide £485,000

GREENLEAF are delighted to introduce this substantial four bedroom,1930s bay-fronted semi-detached house to the market, bursting with potential, on the sought-after Chatham/Rochester borders. To the front, this attractive looking property is set well back from the road with ample off road parking for four/five cars, established front gardens and an integral garage with requested planning permission for a further bedroom and en suite. To the rear, there is a truly impressive and good sized established landscaped garden, complete with summerhouse and workshop with power and light. The property has benefited from a new kitchen in recent years, and boasts a conservatory with fantastic views across the garden, a bonus loft room currently used as an office, aircon in the bedrooms and conservatory, solar panels, and planning in process for an upstairs en suite. There is also potential to extend further to the side, rear, and into the loft subject to permissions and new owners wishes.

The layout briefly consists of: Spacious hallway giving access to the lounge, dining room through to the conservatory, and kitchen through to the utility area and WC, with doors to the garden from the conservatory and utility area. The spacious upstairs landing gives access to four double bedrooms, bathroom and loft room.

Whilst this well presented family home has been much cared for by the current owners for many years and is ready to move into and enjoy, the opportunity is there to update, modernise and extend (STPP) to the new owners personal taste. Enjoying a prestigious location close to Chatham and Rochester stations with fast trains to London, all A2/M2/M20 road links are close by, as are quality schools for all age groups, whilst the nearby historic Rochester High Street boasts the famous cathedral, castle, restaurants, bars and boutiques. We recommend viewing at your earliest convenience to avoid disappointment.

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2 Bed House - Mid Terrace 
SSTC

Hermitage Road, Higham, Rochester

Price Guide £275,000

GREENLEAF are delighted to introduce this beautifully presented two bedroom, bay-fronted cottage to the market, in the sought-after semi-rural location of Higham, Rochester. The property has been much cared for and updated in recent years, including new kitchen, bathroom, log burner and staircase, whilst outside the low maintenance front and rear gardens are attractively paved and fenced with stunning far reaching river and countryside views. Parking is available directly in front of the property, with the possibility of further unofficial parking to rear. The layout briefly consists of: Entrance porch into lounge, open plan into the dining area with stairs up to first floor, door out to garden, and doorway access into the spacious kitchen through to the bathroom. Upstairs, the compact landing gives access to two double bedrooms, both with stunning views. Although peacefully located on a quiet country lane, the property is just a short drive to A2/M2/M20 road links to London and coast, Higham and Strood stations to London, quality local schools, and all leisure and shopping amenities. This fantastic first-time buy or investment purchase is simply ready to move into and enjoy, 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.

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3 Bed House - End Terrace 
For Sale

St. Peter Street, Rochester

Price Guide £325,000

GREENLEAF are delighted to introduce this beautifully presented three bedroom, bay-fronted, end of terrace house to the market, in sought-after ME1 Rochester. The property has been much cared for and upgraded by the current owners and boasts fantastic open-plan accommodation to the ground floor with lounge and spacious kitchen/diner, new quality boiler, newly fitted shutters and front door, a versatile bonus basement currently used as an office, three bedrooms with quality wardrobes to stay in bedroom two, and has been newly repainted externally to the front and rear of the property. The layout briefly consists of: Hallway with stairs up to the first floor, doorway into lounge area to the front of the house, open-plan into kitchen/diner to the rear with double doors to patio and garden, and doorway down to basement/office. The upstairs landing gives access to three bedrooms consisting of two doubles and one single, and the spacious bathroom. To the rear, there is a good size patio with a few steps down to the attractive low maintenance private garden perfect for outdoor dining and entertaining. Located a short walk into town and all amenities, the historic High Street with its stunning castle, cathedral and range of cafes, restaurants and boutiques are all on your doorstep, as is the station with fast trains to London, all A2/M2/M20 road links, and quality local schools for all age groups. We recommend viewing at your earliest convenience to avoid disappointment, this property is simply ready to move into and enjoy.

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3 Bed House - Mid Terrace 
SSTC

Edinburgh Road, Chatham

Price Guide £230,000

GREENLEAF are delighted to introduce this well presented three bedroom mid-terrace Victorian house to the market, in Chatham, Kent. Set over three floors, this spacious and versatile family home boasts a bathroom and additional WC/Utility room, a great size garden, a cinema room/office, three double bedrooms, and good size rooms throughout. Whilst the property has been well cared for by the current owners, the opportunity and potential is there to further update and redecorate to the new owners wishes, or simply move in and enjoy your new home.
The layout briefly consists of: Ground-floor with lounge, double bedroom one, and spacious bathroom; open plan stairs from the lounge lead up to the first floor landing giving access to two further double bedrooms; A further doorway from the lounge leads to the stairs down to the lower ground-floor giving access to the kitchen/breakfast room, family room/office, utility room/WC, and doorway out to garden. Conveniently located close to the town and all shopping and leisure facilities, the station with fast trains to London, A2/M2/M20 road links, and quality schools for all age groups are all close by, whilst the Medway Hospital and the historic Rochester High Street are just 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.

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4 Bed House - Detached 
SSTC

Bleakwood Road, Chatham

Price Guide £310,000

GREENLEAF are delighted to introduce this well presented three/four bedroom link-detached house to the market in Walderslade, with NO ONGOING CHAIN. This spacious and versatile family home boasts a cul de sac location opposite school playing fields, a garage currently converted for use as a fourth bedroom/storage, off road parking, and spacious rooms throughout. Whilst neutrally presented and well looked after by the current owners, the opportunity is there to update and create a beautiful family home to your own requirements. The layout briefly consists of: Entrance hallway with access to garage/bedroom four (or potential office possibly?), WC, storage cupboard and inner hallway; from here you access the kitchen, dining room, lounge out to garden, further storage cupboard and stairs up to first floor; the spacious landing gives access to three bedrooms and family bathroom. Located within walking distance of quality local schools, close to a range of sports and leisure facilities, and beautiful walks at the nearby North Downs Way and Medway Valley, the property is also a short drive away from Chatham Station and the high speed rail link to London and A2/M2/M20 road links to London and coast. Bluewater Shopping Centre is approximately 20minutes drive away also. 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.

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3 Bed House - End Terrace 
SSTC

Northcote Road, Rochester

Price Guide £280,000

GREENLEAF are delighted to introduce this extended three bedroom end of terrace house to the market, in Strood Rochester, brimming with potential. Conveniently located close to town and all amenities, the property boasts a separate lounge, kitchen, utility area, three bedrooms and potential for an en suite shower, whilst outside there is ample off road parking with enough space for a garage (subject to planning), and an attractive rear garden with raised decked area. Whilst the property has been updated and well cared for by the current owners for many years, the opportunity is there to finish and add the final touches to create a fantastic family home to the new owners requirements. The layout briefly consists of: Compact entrance hallway with stairs up to first floor and lounge to your right, through to kitchen, dining room/utility area with double doors to rear, and door to bathroom; Upstairs, there are three bedrooms with potential for an en suite shower room- the room is there, just needs finishing. Located within walking distance of the town and all shopping and leisure amenities, station with fast trains to London, quality local schools for all age groups, and A2/M2/M20 road links, we recommend viewing this attractive looking property at your earliest convenience to avoid disappointment. EPC Grade D.

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.

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2 Bed House - Semi-Detached 
SSTC

Haig Avenue, Rochester

Price Guide £350,000

GREENLEAF are excited to introduce this exceptional extended two bedroom semi-detached house to the market, in a sought-after residential location within ME1 Rochester. This delightful family home has undergone a complete refurbishment in recent years to include a double-storey extension to the rear and boasts two good size double bedrooms, two impressive new en suites, a stunning new kitchen/diner with island and integrated appliances, a utility room, and downstairs WC. To the rear, there is a beautiful landscaped patio and garden complete with outdoor dining area, hot-tub and trampoline possibly to stay, ample seating areas, large decked area and lawn garden, and a spacious summerhouse with power and light. To the front there is off road parking for one, possibly two cars. Further benefits include underfloor heating to the ground-floor, a quality boiler with Nest Heating system, potential for Control4 home automation system, log burner to lounge, bi-fold doors to the garden, and new double-glazed windows throughout. Conveniently located close to quality local schools for all age groups and A2/M2/M20 road links, the historic Dickensian High Street is a short distance away with a range of boutiques, bars, cafes and restaurants, historic cathedral, Norman castle, and station with fast trains to London St Pancras. Bluewater shopping centre is also just a short drive away, as is Ebbsfleet International Station. This impressive property is simply ready to move into and enjoy, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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4 Bed House - End Terrace 
SSTC

Windmill Street, Rochester

Price Guide £330,000

GREENLEAF are delighted to introduce this well presented four bedroom end-of-terrace town house to the market in the sought-after location of Frindsbury, Strood, with NO CHAIN. With ample parking and deceptively spacious accommodation throughout, the property is a ‘must see’. Set over three floors this modern family home consists of: Entrance and inner hallway leading to a large lounge and good sized newly fitted kitchen; To the first floor you will find the family bathroom, a double bedroom and a fair sized single bedroom; On the second floor, there is another double bedroom, a good sized single bedroom and a shower room. There is a well maintained garden to the rear partially laid to lawn with a patio area and the added bonus of a summer house. The property has side access and benefits from off road parking for one to two cars. It is located close to quality local schools for all age groups and is within walking distance of Strood Railway station providing fast links to London and the coast. Furthermore, there is easy access to the A2/M2/M20 road links. Interest is sure to be strong in this delightful family home being sold with no forward chain, 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.

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1 Bed Apartment 
SSTC

Ocean Drive, Gillingham

Price Guide £93,500

£93,500 -55% SHARE OF THE FULL £170,000 ASKING PRICE -(larger share up to 100% is available subject to fees)

GREENLEAF are delighted to introduce this impressive contemporary one bedroom hybrid “Manhattan” apartment to the market, in a sought after location close to fantastic riverside walks and views, and all local amenities. This perfect first-time buyers property is located on the second floor, accessed via lift or stairs, and boasts an attractive modern open-plan kitchen/lounge area with double-glazed doorway onto the good size balcony with far-reaching views, large sliding privacy doors to the spacious bedroom with built-in wardrobes, and finally a contemporary bathroom with fitted vanity units and storage. This nearly new apartment has been well looked after by the current owner and the communal areas are also impressively presented. Further benefits include use of a residents gym (located in the adjacent “Boathouse” building), a beautiful shared roof terrace and gardens, (“The Podium”), ample bike storage, and nearby permit “Right to Park” parking.
Located close to the train station to London and coast, A2/M2/M20/M25 road links and bus commuter links are all close by, whilst Tesco Express, Subway, Dominos and Asda are all within a few minutes walk. The impressive Dockside retail outlet which offers a range of shops, restaurants & Odeon cinema is also a short walk away. This property is simply ready to move into and enjoy, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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2 Bed House - Mid Terrace 
For Sale

Thornhill Place, Maidstone

Price Guide £225,000

Character 2 bedroom cottage in a quiet street built circ 1854 with an inglenook fireplace and a cellar. Lounge, kitchen/diner and utility room. Close to Maidstone town centre and Maidstone East railway station. Double glazed with gas central heating. Bathroom. Permit parking. Secluded maintenance free rear yard.

***NO ONWARD CHAIN***

Vacant possession on completion. Has been rented out without a break since 2012 – recent rental £775 per month.

Current Gas Safety and Electrical Safety Certificates.

Lounge (3.5m max x 2.95m): Fitted carpet, wall mounted radiator, double glazed window to front elevation. Inglenook fireplace.

Kitchen/Diner (3.5m max x 3.25m): Range of wall and base units. Granite effect work surfaces. Built-in electric oven and hob, extractor. Local tiling, vinyl flooring. Stainless steel sink with mixer tap and single drainer. Double glazed window to rear elevation. Wall mounted radiator. Door to cellar.

Utility Room: Range of wall and base units. Plumbing for washing machine. Power point for fridge/freezer. Local tiling, vinyl flooring. Stainless steel sink with mixer tap and single drainer. Double glazed window to side elevation. Gas combination boiler.

Bathroom/WC: 3 piece suite comprising low-level WC, pedestal wash hand basin, panelled bath with shower over. Vinyl flooring. Local tiling. Wall mounted radiator. Obscured glass double glazed window to side elevation. Extractor.

Bedroom 1 (3.5m max x 3.25m): Fitted carpet. Range of built-in cupboards. Double glazed window to rear elevation. Wall mounted radiator.

Bedroom 2 (3.5m max x 2.95m): Fitted carpet. Double glazed window to front elevation. Wall mounted radiator.

COUNCIL TAX: Band C

EPC rating D

These particulars are intended only to give a brief description of the property. All measurements are for guidance only and should not be relied on for any purpose whatsoever.

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