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 - Mid Terrace 
For Sale

Formby Terrace, Halling, Rochester

Price Guide £285,000

GREENLEAF PROPERTY SALES are delighted to introduce this fully refurbished three bedroom cottage in Halling, Rochester, with NO ONGOING CHAIN, making this family home an ideal first time or investment buy. The property is finished to a high standard with front and rear gardens, fully double-glazed windows, a quality Worcester boiler, and attractive oak doors throughout. The downstairs family bathroom means you benefit from 3 bedrooms upstairs- 2 doubles and a single off the second double. There is a lounge and a dining room with an open doorway into the kitchen, leading through to the rear lobby giving access to the bathroom and door out to garden and parking bay. Located between Rochester & West Malling, with quick access to M2/M20/A2. Bluewater Shopping Centre is approximately 20 minutes drive away, and the train station (within walking distance) serves Maidstone, the Medway towns, with fast trains to London via nearby Snodland or Strood stations, and bus links to all local areas. The nearby village of Halling also enjoys the picturesque St. Andrews Lake, with a small man made beach and water sports, There are also quality local schools in the area. We recommend viewing at your earliest convenience to avoid disappointment, this property is ready to simply move into and enjoy. EPC GRADE : C / COUNCIL TAX BAND : B

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.

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4 Bed House - Semi-Detached 
SSTC

Columbine Road, Rochester

Price Guide £375,000

GREENLEAF are delighted to introduce this well presented four bedroom semi-detached house to the market, in Strood Rochester. Boasting spacious accommodation over three floors, this extended family home further benefits from bay windows to the front of the property, a good size kitchen/diner and spacious separate lounge, sun room to the rear, and a great size garden complete with a summerhouse/storage building offering potential for use as an office or gym, subject to the new owners wishes. The layout briefly comprises of: Front door into the spacious lounge with open-plan stairs up to the first floor, then through to the kitchen/diner, sun room, and WC. The first floor landing gives access to three bedrooms and the family bathroom, through to the inner hallway with stairs up to the second floor and fourth bedroom. Located close to all local amenities, sports facilities and quality schools for all age groups, the station with fast trains to London is a short drive away. Bus services also serve Bluewater Shopping Centre, the station, and the High Street. Whilst the property has been well cared for by the current owners for many years and is ready to move into and enjoy, the opportunity is also there to update and modernise at the new owners discretion. 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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1 Bed House - Mid Terrace 
SSTC

High Street, Wouldham, Rochester

Offers In The Region Of £250,000

NO CHAIN! Situated in the sought after village of Wouldham, Greenleaf are pleased to offer to the market this well presented home that would ideally suite a first time buyer looking to get their foot on the housing ladder. The accommodation comprises of lounge, kitchen and versatile reception area. To the first floor there is one double bedroom and shower room W/C. Benefits include a good size rear garden, double glazing , electric central heating and off road parking to rear. EPC grade F

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2 Bed Apartment - Purpose Built 
For Sale

Balmoral Road, Gillingham

Asking Price £200,000

Situated in close proximity to Gillingham town centre and mainline station, Greenleaf property services are pleased to offer for sale this modern top floor apartment, available with vacant possession, with NO ONGOING CHAIN. The accommodation comprises of entrance hall, (with intercom system), spacious lounge/dining room, fitted kitchen with integrated appliances, two double bedrooms and bathroom W/C. Benefits include gas central heating, private gated parking and a location within a walk of all amenities! We recommend viewing at your earliest convenience to avoid disappointment. EPC Grade B

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1 Bed Apartment - Purpose Built 
SSTC

King Street, Rochester

Price Guide £125,000

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

Elliotts Way, Chatham

Price Guide £560,000

GREENLEAF are delighted to introduce this beautifully presented detached property with a contemporary modern design located on the much sought-after Horsted Park, Rochester/Chatham borders. Immaculately decorated, this ample family home boasts spacious accommodation throughout, including a separate lounge with patio doors leading out to the garden, fully fitted modern open-plan kitchen and dining room with vaulted ceiling and floor to ceiling glass windows. There is a spacious downstairs W/C, several large storage cupboards, and a substantial integral double garage running the length of the house which is accessed via the hall, and offers potential for further accommodation subject to the usual permissions. Upstairs, the dual aspect master bedroom, with fitted wardrobes, has an en suite and all four bedrooms are good size doubles. The outside space is equally impressive with a generous wrap round garden beautifully laid to lawn with a secluded patio area for outside entertaining. Located in a quiet residential development, quality local schools, Rochester and Chatham stations, local amenities and all A2/M2/M20 road links are close by, This imposing property really does cater for all the family and has been much loved and cared for by the current owners. 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 
For Sale

Gerrard Avenue, Rochester

Offers In Excess Of £465,000

GREENLEAF are delighted to introduce this beautifully presented three bedroom semi-detached house to the market, in sought-after ME1 Rochester, bursting with potential, and with planning permission in place to convert the existing garage/utility to a fourth bedroom and shower room, and extend the kitchen. This impressive bay-fronted family home currently boasts a spacious open-plan lounge/diner, stunning Anglian conservatory overlooking the sizeable established rear garden, three bedrooms all with quality fitted wardrobes and cupboards, off road parking, and is simply ready to move into and enjoy. The layout briefly consists of: Spacious hallway giving access to the garage/utility and WC, lounge/diner and kitchen through to the conservatory and garden: the upstairs landing gives access to three bedrooms, bathroom and loft. Located within a walk of quality local schools, shops and amenities, A2/M2/M20 road links and stations with fast trains to London are a short drive away. Also nearby, the historic Dickensian High Street offers a wealth of restaurants, cafes, bars and boutiques, beautiful river walks and regular events at the famous cathedral and imposing Norman castle, as well as the bi-annual Dickens festivals. 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

4 Bed House - End Terrace 
SSTC

Quickthorn Crescent, Chatham

Price Guide £325,000

GREENLEAF are delighted to introduce this completely refurbished and modernised four bedroom end of terrace house to the market, in Walderslade Chatham, with NO ongoing chain. Boasting a beautiful new kitchen and bathroom, new windows, front door, central heating, and new flooring and carpets throughout, this impressive family home also benefits from off road parking, front and rear gardens, and is simply ready to move into and enjoy. The layout briefly consists of: Spacious entrance hallway giving access to double bedroom four (formerly garage), good size open-plan lounge/diner with large storage cupboard and stairs up to the first floor, and kitchen out to the garden; the landing gives access to three further bedrooms- two doubles and one single- the great size quality bathroom, and loft with potential for further accommodation if desired, subject to usual planning permissions. Located close to quality local schools, leisure facilities, and nearby Walderslade Village with its range of shops and amenities, all A2/M2/M20 road links to London and coast, and trains stations to London are a short drive away. A further fantastic selection of restaurants, shopping and leisure facilities can be found in nearby Chatham, Gillingham and historic Rochester, 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

5 Bed House - Detached 
For Sale

Grange Road, Gillingham

Price Guide £550,000

GREENLEAF are delighted to introduce this impressive and substantial five/six double bedroom detached chalet bungalow to the market, in sought-after Rainham, Kent. Boasting spacious and light rooms throughout, en suite and two bathrooms, stunning kitchen/diner, south-facing garden and off road parking for three cars, this beautifully presented versatile family home has been completely refurbished in recent years to include a new kitchen, bathrooms, carpets and complete redecoration, it is quite simply ready to move into and enjoy. The layout briefly consists of: Spacious entrance porch open plan into good size hallway, giving access to lounge/bedroom six, double bedrooms four and five, bathroom, family room and kitchen/diner out to garden; the upstairs landing gives access to a further three double bedrooms, bathroom and en suite. Located in a semi-rural position close to Riverside Country Park overlooking farmland and enjoying far reaching river views to the front, this substantial property offers space and versatility for all the family, whilst benefitting further from being a short drive to leisure and shopping facilities, road links, trains stations and schools. 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 - Terraced 
For Sale

Formby Terrace, Halling, Rochester

Price Guide £285,000

GREENLEAF PROPERTY SALES are delighted to introduce this fully refurbished three bedroom cottage in Halling, Rochester, with NO ONGOING CHAIN, making this family home an ideal first time or investment buy. The property is finished to a high standard with front and rear gardens, fully double-glazed windows, a quality Worcester boiler, and attractive oak doors throughout. The downstairs family bathroom means you benefit from 3 bedrooms upstairs- 2 doubles and a single off the second double. There is a lounge and a dining room with an open doorway into the kitchen, leading through to the rear lobby giving access to the bathroom and door out to garden and parking bay. Located between Rochester & West Malling, with quick access to M2/M20/A2. Bluewater Shopping Centre is approximately 20 minutes drive away, and the train station (within walking distance) serves Maidstone, the Medway towns, with fast trains to London via nearby Snodland or Strood stations, and bus links to all local areas. The nearby village of Halling also enjoys the picturesque St. Andrews Lake, with a small man made beach and water sports, There are also quality local schools in the area. We recommend viewing at your earliest convenience to avoid disappointment, this property is ready to simply move into and enjoy. EPC GRADE : C / COUNCIL TAX BAND : B

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.

More Details

6 Bed House - Detached 
For Sale

Beechenlea Lane, Swanley

Price Guide £1,975,000

GREENLEAF are delighted to introduce this impressive and characterful detached farmhouse to the market in sought-after Swanley Village, Kent. On the market for the first time in many years, and available with NO ONGOING CHAIN, this substantial and distinctive property is enviably located on approximately 2.75 acres of stunning established gardens and grounds, and includes a heated swimming pool, converted stables currently used as a fully-functioning bar, tennis court, garages, and storage shed. Inside this beautiful family home there are six/seven bedrooms, one/two offices, recently refurbished kitchen/breakfast room, three en suites and family bathroom, an integral double garage, and spacious accommodation throughout.
The layout briefly comprises of: Attractive storm porch into hallway giving access to cloakroom, kitchen/breakfast room, utility, office, single bedroom seven/further office, dining room, lounge and drawing room. Upstairs there are two spacious partially galleried landings giving access to six bedrooms, three en suites and the family bathroom. The integral double garage includes a further WC also.
Located within a 25 minute walk of Swanley town centre and its range of restaurants, shops, amenities, 24-hour Asda Superstore, and train station with 30 minute fast services to Victoria, nearby Swanley Park provides a fantastic recreation space for all the family, and there is a selection of quality schools for all age groups in the local area.
Whilst the property has been much cared for by the current owners for many years and is ready to move into and enjoy, the space and opportunity is there to update and modernise to your own personal taste, we therefore recommend viewing at your earliest convenience to avoid disappointment.

Sect. 21 of Estate Agency Act; We declare Greenleaf has a personal interest in the sale of this property.

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1 Bed Flat - Conversion 
For Sale

Gilbert Close, London

Price Guide £285,000

BUY-TO-LET OPPORTUNITY WITH TENANT IN SITU

GREENLEAF are delighted to introduce this impressive, light and spacious one bedroom ground-floor apartment to the market, with secure gated allocated parking, set in stunning grounds and gardens of approximately seven acres, including a residents tennis court. Boasting a good size double bedroom and lounge/diner both with high ceilings and beautiful sash windows, modern kitchen, and long lease with a share of the freehold, this grade two listed period property is available with NO ONGOING CHAIN. The property benefits from the fantastic on-site “Royal Herbert Leisure Club”, which includes a beautiful heated pool, sauna and steam rooms, refurbished gymnasium, changing rooms and toilets, and on site concierge. There is also a residents bar to relax in after your exercise. Built in 1865 as a military hospital, this substantial and imposing building is named after the world-renowned “Florence Nightingale” and enjoys fantastic architectural features and character.
With Eltham, Kidbrooke and Falconwood stations approximately a mile away, there are also bus services to Blackheath, Woolwich and North Greenwich, servicing Central London, The City and Canary Wharf, whilst all road links to London and coast are 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