Buy

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

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

 

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

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Properties

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4 Bed House - End Terrace 
For Sale

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 
For Sale

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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2 Bed House - Semi-Detached 
SSTC

Montgomery Avenue, Chatham

Price Guide £220,000

BUY-TO-LET INVESTMENT OPPORTUNITY WITH TENANTS IN RESIDENCE

GREENLEAF are delighted to introduce this well presented two bedroom semi-detached house to the market, in Chatham Kent, for sale with existing tenants in residence. This spacious and well cared for property boasts a full height entrance hallway, large kitchen/diner and separate lounge, impressive garden room extension, and a spacious established rear garden complete with decked patio and large storage shed. To the front, the property is set back from the road with a few steps down to the front door, with a pretty established front garden adding to the appeal of this attractive looking property. The layout briefly comprises of: Hallway giving access to lounge, kitchen/diner, utility/storage room, and garden room extension; the upstairs landing gives access to two double bedrooms, family bathroom and storage cupboard. Located on a quiet residential road a short distance from all local amenities, schools and A2/M2/M20 road links, the train station 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 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 - End Terrace 
For Sale

Eastgate Terrace, Rochester

Price Guide £300,000

GREENLEAF are delighted to introduce this characterful Victorian two bedroom end of terrace cottage to the market, in a sought-after, tucked-away location just off Rochester High Street. Boasting two double bedrooms, separate lounge and dining room, a courtyard to the rear and an adaptable garden currently used as off road parking, the property is currently tenanted and whilst well presented throughout would benefit from a little update and modernisation in due course. The layout briefly consists of: Lounge through to stairs up to first floor, doorway into dining room, through to kitchen and utility, doorway from dining room out to courtyard and garden; the upstairs landing gives access to two double bedrooms, inner hallway and bathroom. Located within a short walk of the historic Dickensian High Street and its range of boutiques, cafes, restaurants, bars, famous cathedral, Norman castle, River Medway, and station with fast trains to London and all A2/M2/M20 road links are close by. Quality schools for all age groups are also a walk away, including the highly regarded KIngs and St Andrews private schools. Interest is sure to be strong in this rarely available property and location, 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 Flat 
For Sale

Goodwin Close, London Se16

Offers In The Region Of £335,000

**BTL INVESTORS ONLY**BEING SOLD WITH TENANT IN SITUE PAYING £1075PCM **Greenleaf are delighted to offer to the market this purpose built ground floor One bedroom flat situated in a pleasant development and conveniently placed for transport links. Accommodation comprises of entrance hallway, double bedroom, shower room and open plan kitchen/living room. Benefits include double glazing, electric heating and allocated parking space. The current owner is currently applying for a lease extension to give 150 years left on the lease.

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

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 - Mid Terrace 
SSTC

Priestfield Road, Gillingham

Price Guide £200,000

BUY-TO-LET OPPORTUNITY WITH TENANTS IN RESIDENCE-

GREENLEAF are delighted to introduce this good size three bedroom mid-terrace Victorian house to the market, to be sold with tenants in residence. Boasting a spacious lounge, separate dining room, utility with potential for a downstairs WC (subject to permissions), three separate bedrooms with potential for a loft room conversion (subject to planning permission) and private garden, the opportunity is there to update and modernise at the new owners discretion. The layout briefly consists of: Entrance porch into hallway, doorway into lounge, dining room, kitchen with access to garden, and utility: the upstairs landing gives access to three bedrooms 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.

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 
SSTC

Gordon Road, Chatham

Price Guide £210,000

BUY-TO-LET OPPORTUNITY WITH TENANTS IN RESIDENCE-

GREENLEAF are delighted to introduce this three bedroom mid-terrace house to the market, in Chatham Kent, with tenants to remain in residence. The property has been refurbished within the last two years including new kitchen, bathroom and windows, and boasts three bedrooms (with the third off the second) and the added bonus of a spacious loft room to the second floor with staircase access from bedroom two. To the rear there is a spacious garden with far reaching views, and potential for a good size patio too. The layout briefly consists of: Entrance porch into lounge, stairs up to first floor, through to dining room, open plan to kitchen, through to rear lobby with door to bathroom and door to garden; Upstairs are two double bedrooms, a single third bedroom off the second, and staircase access also from the second bedroom up to the bonus loft room. 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 
SSTC

Livingstone Road, Gillingham

Price Guide £200,000

BUY TO LET OPPORTUNITY WITH TENANTS IN RESIDENCE

GREENLEAF are delighted to introduce this three bedroom mid-terrace house to the market, in Gillingham, Kent, with tenants in residence. The property boasts a spacious open-plan lounge/diner, three separate double bedrooms, downstairs bathroom, private garden with decked area, and potential to update and improve subject to the new owners wishes. The layout briefly consists of: Compact entrance porch into main hallway, with stairs ahead up to the first floor, doorway access into the open-plan lounge/diner, through to the kitchen, rear lobby, bathroom and door out to garden; upstairs, the spacious landing gives access to three separate double bedrooms and loft. Located close to town and all shopping and leisure facilities, this spacious buy-to-let property is also close to the station with fast trains to London, A2/M2/M20 road links, Medway Hospital, and schools for all age groups. 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 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 House - Mid Terrace 
SSTC

Priestfield Road, Gillingham

Price Guide £200,000

BUY TO LET OPPORTUNITY WITH TENANTS IN RESIDENCE

GREENLEAF are delighted to introduce this three bedroom bay-fronted, mid-terraced Victorian house to the market, to be sold with tenants in residence. Boasting three separate double bedrooms, spacious lounge/diner, cellar, private garden, and potential to create an upstairs bathroom (subject to usual permissions), this good size property is well presented in general, but would however benefit from some updating and modernisation throughout in due course. The layout briefly consists of: Spacious open-plan lounge/diner with access from the dining area to stairs up to the first floor, door out to garden, doorway into the kitchen through to the bathroom; the main upstairs landing gives access to two double bedrooms, a further inner hallway leads to a dressing room/storage area (potential for upstairs bathroom STPP), and bedroom three. 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.

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 
SSTC

Woodpecker Glade, Gillingham

Guide Price £500,000

GREENLEAF are delighted to introduce this beautifully presented three/four detached house to the market, in sought-after Wigmore, Gillingham. Boasting a great size open plan lounge/diner, reception/dining room, attractive modern kitchen, office/bedroom four with own access, en suite shower room, garage, off road parking and an envious location on a quiet residential cul de sac, this property has been much cared for by the current owner for many years, and is simply ready to move into and enjoy. The layout briefly consists of: Entrance hallway giving access to kitchen, WC, and double doors into the reception/dining room; from here, stairs lead up to the first floor, an internal door leads into the garage, and a further doorway leads into the spacious lounge/diner with sliding doors out to the patio and garden; the office/bedroom four is located just off the lounge/diner with its own access; the upstairs landing gives access to three double bedrooms, en suite and family bathroom; to the rear there is a good size fully fenced paved patio with gated access to the front of house, a further decked area with established plants and shrubs and potential to lawn subject to new owners wishes is perfect for year round use. Located a short drive to quality schools, A2/M2/M20 road links and train station to London, commuter coaches and local bus routes are all nearby. Hempstead Valley Shopping Centre, leisure facilities and all local amenities are also all close by, we therefore recommend viewing at your earliest convenience to avoid disappointment. Contact our office now to book your appointment to view.

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2 Bed House - Mid Terrace 
SSTC

Albany Road, 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 the market in Chatham, Medway, with tenants to remain in residence. Boasting a separate lounge and dining room, good size kitchen, two bedrooms, with the bathroom upstairs located off the second bedroom, there is also potential for a downstairs WC to be installed subject to new owners wishes and permissions. There is an attractive low maintenance 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 lounge, through to stairs up to first floor, dining room 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 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