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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Fellows Close, Gillingham

For Sale
4 Bed House - Detached -  Price Guide £650,000

GREENLEAF are proud to introduce this beautifully presented four bedroom detached house to the market, complete with detached garage and off road parking, in sought-after Wigmore, Gillingham. Boasting spacious accommodation throughout including a stunning kitchen/breakfast room, impressive-sized lounge and dining areas, en suite and utility, this delightful family home further benefits from a substantial double storey extension, whilst outside the attractive landscaped low maintenance garden is perfect for all year round use for all the family. The layout briefly consists of: Entrance porch into the hallway giving access to WC, stairs up to first floor, dining area, lounge area, kitchen/breakfast room, and utility. Upstairs the spacious landing gives access to four double bedrooms, en suite, family bathroom and office/study area. Ideally located close to quality schools for all age groups, Hempstead Shopping Centre and leisure facilities are nearby, as are all A2/M2/M20 road links. Stations to London are a short drive away at Rainham and Gillingham. This outstanding property 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, 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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Holmes Close, High Halstow, Rochester

For Sale
3 Bed House - Semi-Detached -  Price Guide £350,000

GREENLEAF are delighted to introduce this well presented three bedroom semi-detached house to the market in sought-after High Halstow Rochester, with NO ONGOING CHAIN. Boasting a detached garage, off road parking and conservatory, this fantastic family home is ideally located on a generous corner plot in a quiet residential cul de sac, with further space for off road parking and in our opinion, potential for a substantial extension to the side of the property, subject to planning permission and new owners wishes. The layout briefly consists of: Hallway giving access to WC, kitchen, stairs up to first floor, storage cupboard, and lounge/diner through to conservatory: The upstairs landing gives access to three double bedrooms, bathroom, and loft. To the rear, the spacious garden is mainly laid to lawn, with a range of established flowers, plant and shrubs, and boasts a patio area ideal for summer BBQs and entertaining.
Whilst ideally located on the sought-after Hoo peninsula near beautiful semi-rural countryside walks, the property is conveniently close to quality local schools and a commuter coach service running from High Halstow village. All A2/M2/M20 road links to London and coast are close by, whilst a wealth of further shopping, leisure amenities and schools can be found in nearby Hoo, Strood, and Rochester, with stations offering a fast train service to London. A short drive away, the historic Rochester High Street offers a diverse range of boutiques, cafes, restaurants and bars, Norman castle and famous cathedral. We recommend viewing at your earliest convenience to avoid disappointment.

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Star Mill Lane, Chatham

For Sale
3 Bed House - Mid Terrace -  Price Guide £250,000

BUY-TO-LET INVESTMENT PURCHASE WITH TENANT IN RESIDENCE

GREENLEAF are delighted to introduce this spacious three bedroom bay-fronted terraced house to the market, with long-term tenant in residence, in a sought-after location within Chatham, a short walk to town and all amenities. Boasting impressive-sized accommodation throughout including an entrance porch, two good size reception rooms, spacious conservatory and downstairs WC, upstairs there are three generous sized bedrooms, whilst to the rear there is a large paved garden, with potential for off road parking to the front, (subject to permissions). The layout briefly consists of: Useful entrance porch into hallway, access to lounge, dining room, kitchen, WC, and conservatory out to garden; Upstairs, the spacious landing gives access to three double bedrooms and family bathroom. Located a walk to all local shops and amenities, the Medway Hospital and schools for all age groups are close by, whilst the station with fast trains to London and all A2/M2/M20 road links to London and coast are a short drive away. We recommend viewing at your earliest convenience to avoid disappointment. All photos taken prior to tenant occupancy in 2018.

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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Gardenia Close, Rochester

SSTC
3 Bed House - Semi-Detached -  Price Guide £300,000

GREENLEAF are delighted to introduce this well presented three bedroom end of terrace house with garage and off road parking, and NO ONGOING CHAIN, located on a quiet cul de sac in the sought-after Frindsbury area of Strood Rochester. The property overlooks school playing fields to the front, and is set well back from the road in a tucked-away position with gardens to the front. Boasting three bedrooms, a downstairs WC, spacious open-plan lounge/diner, utility area and potential for an en suite, the property is well placed for quality local schools, Strood station with fast trains to London, A2/M2/M20 road links, and all local shops and amenities. Historic Rochester High Street is a short drive away with its range of restaurants, bars, boutiques, castle and cathedral, whilst Bluewater Shopping centre is approximately a 20 minute drive away. The layout briefly consists of: Spacious hallway giving access to the WC, lounge/diner, kitchen, utility, and out to garden; Upstairs, the good size landing gives access to three bedrooms, the family bathroom and ample storage. Whilst this family home has been much loved and cared for by the previous owner for many years, the opportunity is now there to update and modernise to your own taste, 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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Maunders Close, Chatham

SSTC
4 Bed House - Semi-Detached -  Price Guide £425,000

GREENLEAF are delighted to introduce this impressive four bedroom extended semi-detached house to the market, in the sought-after Wayfield location of Chatham, with NO ONGOING CHAIN. Set over three floors and boasting a garage, ample off road parking, loft and rear extensions, en suite, and an enviable cul de sac location, this beautifully presented family home has been completely refurbished throughout to a high standard, including new flooring, kitchen and bathrooms, and is ready to simply move into and enjoy. The layout briefly consists of: Entrance porch into the hallway giving access to WC, kitchen/breakfast room, and lounge/diner. The first floor landing gives access to three double bedrooms, family bathroom and stairs up to second floor landing into master bedroom and en suite. The garden is accessed from both the kitchen and lounge. Located in a quiet and peaceful cul de sac yet close to town and all shopping and leisure facilities, quality local schools are nearby. Chatham station with fast trains to London is a short drive away, as are all A2/M2/M20 road links to London and coast, providing quick and easy links to the neighbouring Medway towns and all they have to offer, whilst Bluewater Shopping Centre is also 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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Maidstone Road, Chatham

For Sale
4 Bed House - Detached -  Price Guide £750,000

Geenleaf proudly present this substantial four bedroom detached house complete with large outbuilding, in a sought-after location on the Chatham/Rochester borders, available with NO ONGOING CHAIN. This imposing versatile family home, set back from the road with garage and off road parking for several cars, offers space and flexibility for all the family whilst also providing potential for offices, gym and leisure use. The main house boasts spacious rooms throughout including four double bedrooms all with fitted wardrobes, two en suites with potential for three, family bathroom and shower room, a stunning kitchen/breakfast room with island, further dining room, lounge, office and family room, and is ready to move into and enjoy. The outbuilding is currently used as a games room, however the potential is there for use as offices, gym, or indeed further accommodation, subject to the new owners wishes. There is also a shower/ wet room with own sauna.
Located close to A2/M2/M20 road links and stations with fast trains to London and coast, quality local schools are nearby, as is the historic Rochester High Street with its range of boutiques, cafes, restaurants, bars, cathedral and castle. 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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Victoria Street, Rochester

For Sale
2 Bed Apartment - Above Shop -  Price Guide £175,000

GREENLEAF are delighted to introduce this newly refurbished two bedroom apartment to the market, in sought-after Rochester ME1. Located on the first floor, and available with NO ONGOING CHAIN, this well presented property has been refurbished to an impressive modern standard with tasteful decor throughout, and boasts laminate flooring, oak doors, integrated appliances to the kitchen, good size rooms and is ready to move into and enjoy with immediate vacant possession. The layout briefly consists of: First floor front door opens into an entrance hallway leading into the main hallway, giving access to the lounge, kitchen, bathroom, storage cupboard, and two double bedrooms. Located a short walk to the historic High Street and station with fast trains to London, there is also a fine selection of boutiques, bars, cafes and restaurants, riverside walks and leisure facilities, whilst A2/M2/M20 road links and quality local schools are all nearby. 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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Victoria Street, Rochester

SSTC
2 Bed Apartment - Above Shop -  Price Guide £175,000

GREENLEAF are delighted to introduce this newly refurbished two bedroom apartment to the market, in sought-after Rochester ME1. Located on the second floor, and available with NO ONGOING CHAIN, this well presented property has been refurbished to an impressive modern standard, and boasts laminate flooring, oak doors, tasteful decor throughout, integrated appliances to the kitchen, good size rooms with a useful utility room off the kitchen, and is ready to move into and enjoy with immediate vacant possession. The layout briefly consists of: First floor front door leading to your own stairs up to the main hallway giving access to the lounge, kitchen through to utility room, bathroom, and two double bedrooms. The property is one of four apartments in the building, and is located a short walk to the historic High Street and station with fast trains to London. There is also a fine selection of boutiques, bars, cafes and restaurants, riverside walks and leisure facilities, whilst A2/M2/M20 road links and quality local schools are all nearby. 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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Primrose Close, Chatham

SSTC
4 Bed Bungalow - Detached -  Offers In Excess Of £500,000

GREENLEAF are delighted to introduce this impressive rarely available four bedroom detached bungalow to the market, in a sought after private close on the Chatham/Rochester borders, with NO ONGOING CHAIN. Built in 1985/86, this spacious family home boasts attractive established front and rear gardens, a double garage with off road parking, en suite, family shower room and separate WC, solar panels, and a dining area located to the side of the existing kitchen providing the opportunity to create an impressive kitchen-diner overlooking the garden, subject to the new owners wishes and permissions. Whilst this versatile property has been well cared for by the previous owner for many years and is ready to move into and enjoy, the opportunity is there to update and modernise to your own taste and specification. The layout briefly consists of: Entrance hall giving access to the spacious lounge and dining area, kitchen, and WC; The inner hallway gives access to the family shower room, four bedrooms and en suite. Three of the bedrooms boast built-in wardrobes, and there are two further storage cupboards to the hallway and loft access also. Located close to the station with fast trains to London, A2/M2/M20 road links and quality schools for all age groups, the nearby historic Rochester High Street offers a selection of cafes, restaurants, bars and boutiques, along with the famous cathedral and Norman castle. Nearby Chatham and Maidstone offer a wealth of shopping and leisure amenities, whilst Blue Water Shopping Centre is a 20 minute drive away. We recommend viewing at your earliest convenience to avoid disappointment, we look forward to hearing from you soon.

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Grove Road, Chatham

SSTC
3 Bed House - Mid Terrace -  Price Guide £225,000

GREENLEAF are delighted to introduce this well presented three bedroom mid-terraced house to the market in Chatham, Kent, with NO ONGOING CHAIN. Boasting three separate double bedrooms, a modern kitchen and bathroom and some attractive original features, the property has recently been refreshed and redecorated inside and out, and is offered to the market ready to move into with vacant possession. The layout briefly consists of: Lounge, through to under-stairs storage area, then through to the dining room with stairs up to first floor, open-plan to kitchen, and rear lobby with access to bathroom and doorway to garden. Upstairs, the landing gives access to three double bedrooms, and a generous loft space. Located close to town and all shopping and leisure amenities, the station with fast trains to London is close by, as are local schools for all age groups, A2/M2/M20 road links to London and coast, and the Medway Hospital. Whether you’re a first-time buyer looking to get a foot on the ladder or a buy-to-let investor, this property is ready for immediate occupation, 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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Edinburgh Road, Chatham

SSTC
3 Bed House - Mid Terrace -  Price Guide £230,000

Greenleaf are delighted to introduce this well presented three bedroom mid-terrace house to the market, in Chatham, Kent, with NO ONGOING CHAIN. Set over three floors and boasting a modern kitchen and bathroom, three double bedrooms, private rear garden and a spacious cellar with potential for conversion to an office, cinema room or gym, this versatile family home is ready to move into and enjoy, whilst also providing the opportunity to put your own stamp on in time.
The layout briefly consists of: Hallway giving access to bedroom one and lounge through to the rear lobby and bathroom; open-plan stairs lead up to the first floor with two further double bedrooms, whilst further stairs lead down to the lower ground floor, with dining room, kitchen, garden access, and cellar.
Located close to town and all shopping and leisure amenities, the station with fast trains to London is close by, as are local schools for all age groups. All A2/M2/M20 road links and the Medway Hospital are a short drive away also. Whether you’re a first-time buyer looking to get a foot on the ladder or a buy-to-let investor, this property is ready for immediate occupation, 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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Church Street, Cliffe, Rochester

For Sale
3 Bed House -  Price Guide £275,000

GREENLEAF are delighted to offer to the market this characterful terrace cottage in the much sought-after semi-rural village location of Cliffe. Internally you will find a charming cosy lounge with feature fireplace and fitted cupboards, through to a spacious country style kitchen with hand crafted wall and base units and plenty of space for a dining table and chairs. The family bathroom with shower cubicle, W/C, basin and heated towel rail is situated to the rear, and is connected by a useful rear lobby giving access to the utility area leading out to the low maintenance garden with an attractive paved patio area, shingle area for pots and plants, perfect for entertaining. The stand-alone garage is at the foot of the garden with additional parking in front, and is accessed via a shared driveway. Upstairs are two double bedrooms both with fitted wardrobes and original feature fire places plus a third single room off the second, ideal for use as an office, bedroom or dressing room. The property is just a short drive to A2/M2/M20 road links to London and coast and has local shops, pubs, schools, doctors surgery and fantastic countryside walks nearby. This impressive 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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