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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St. Andrews Walk, Allhallows, Rochester

For Sale
2 Bed House - Mid Terrace -  Price Guide £235,000

GREENLEAF are delighted to introduce this beautifully presented and extended two bedroom mid-terraced house to the market, in sought-after Allhallows, Rochester. Boasting attractive low-maintenance front and rear gardens with off road parking and space for a garage if desired, this attractive family home is peacefully located on St Andrews Walk, opposite an attractive green space and a short walk to to the village and local amenities. The layout briefly consists of : Entrance porch into spacious hallway giving access to kitchen, stairs up to first floor, great size lounge through to extension and dining area, with sliding doors onto patio and garden; Upstairs the landing gives access to two good size double bedrooms and bathroom. To the rear, an access road leads to gated off road parking for two cars. Allhallows is located in a rural setting within the Hoo peninsular with the village providing a primary school, local shops and doctors. Nearby Hoo provides a more comprehensive range of amenities including leisure centre, swimming pool, secondary school, restaurants, pubs and shops. There are lovely riverside and country walks on your doorstep, with bus services and easy access to the A2/M2 road links. Railway stations with fast train services to London are available from Strood and Higham, with a high speed service from Ebbsfleet.

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability 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.

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St. Johns Way, Rochester

For Sale
6 Bed House - Detached -  Price Guide £799,995

GREENLEAF are excited to introduce this luxuriously appointed and beautifully presented individual five/six bedroom detached family home, in a sought-after residential cul de sac in Rochester, ME1. Just two years old, and built to a high standard by the current owners, this delightful unique property boasts style, space, light and versatility in abundance, including; an impressive open plan kitchen/diner with “drinks station”, bi-fold doors onto patio with substantial summerhouse/BBQ area, zonal underfloor heating, CCTV, two en suites, attractive open plan landings and oak staircases, potential for self-contained accommodation on the top floor, a double garage with electric doors and off road parking, and all tastefully decorated throughout to a high standard. The layout briefly consists of; ground-floor entrance hallway with WC, storage, lounge with top-of-range log burner, kitchen/diner, utility, access to garage, stairs up to; first-floor landing with four bedrooms, two en suites and family bathroom; second-floor with lounge/bedroom six bedroom and bathroom. Located a walk to historic Rochester High Street with it’s range of boutiques, bars, restaurants, cathedral, Norman castle, and train station with 35 minute fast trains to London, quality local grammar and private schools are within walking distance, and A2/M2/M20 road links are all close by. We therefore recommend viewing this rarely available opportunity 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. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability 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.

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Davy Court, Rochester

For Sale
2 Bed House - End Terrace -  Price Guide £305,000

GREENLEAF are delighted to introduce this impressive and spacious two/three bedroom mews-style end of terrace townhouse, with vacant possession and NO ONGOING CHAIN, in the sought-after Davy Court development off Rochester High Street. Set over three floors and boasting secure gated undercroft parking, this versatile property is peacefully located next to the historic Restoration House Gardens and St Margaret’s Church, yet remains a walk to all local amenities and station with fast trains to London. Further benefits include en suite, spacious lounge with potential for use as third bedroom, open-plan kitchen/diner, and private courtyard garden with rear gated access to your parking space. The layout briefly consists of: Front door into hallway giving access to bathroom, lounge, and stairs up and down to further floors; first floor landing gives access to two bedrooms and en suite; downstairs landing leads to open-plan kitchen/diner/living room. Located a short walk to the historic Dickensian High Street with its range of bars, boutiques, restaurants, station with 35 minute fast trains to London, quality local schools (including Kings Private School), and all A2/M2/M20 road links, beautiful riverside and countryside walks are all on your doorstep. This stylish property is ready to move into and enjoy, we therefore recommend viewing at your earliest convenience.

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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Cromer Road, Rochester

SSTC
2 Bed House - Mid Terrace -  Price Guide £215,000

GREENLEAF are delighted to introduce this attractive two bedroom mid-terrace Victorian house to the market, in sought-after Strood, Rochester. Situated in a quiet residential road opposite allotments and enjoying enviable views across the River Medway to Rochester castle and cathedral, this lovely family home is available with NO ONGOING CHAIN. The property boasts two double bedrooms, spacious bathroom, separate lounge and dining room, and an outside WC to the rear with potential to perhaps create a downstairs shower room subject to planning and new owners wishes. The property further benefits from the installation of a new boiler last year, and whilst well presented throughout, the opportunity is there to update and modernise to your own taste. The layout briefly consists of: Lounge to front of property with attractive feature archway, stairs up to first floor, doorway through to dining room, kitchen and lean to/utility; Upstairs, the landing gives access to two double bedrooms with the bathroom located off the second bedroom. Outside, the low maintenance garden includes a patio, decked area, and artificial lawn. Located a walk into town and all amenities, train station with fast trains to London, quality local schools and A2/M2/M20 road links to London and coast, 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.

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Bleakwood Road, Chatham

For Sale
4 Bed House - Detached -  Price Guide £310,000

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

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All measurements have been taken as a guide to prospective buyers only, If you require clarification or further information on any points, please contact us. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

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Maidstone Road, Rochester

SSTC
4 Bed House - Mid Terrace -  Price Guide £450,000

GREENLEAF are delighted to introduce this imposing and substantial four bedroom Victorian townhouse to the market in sought-after ME1 Rochester, with NO ONGOING CHAIN. Set over four floors, with off road parking to the front and a partially decked and lawn garden to the rear, this impressive and spacious bay-fronted property boasts a recently new tasteful kitchen/breakfast room with bi-fold doors, good size open-plan lounge and dining room with feature fireplace and log burner, a loft conversion to provide a master bedroom and en suite shower room, a basement with potential for a variety of uses, and many original features throughout.

The layout briefly consists of: Entrance hallway with stairs up to the first floor and doorway into open-plan lounge and dining room, doorway access down to useable cellar with potential for use as fifth bedroom (STPP), and kitchen/breakfast room with bi-fold doors to patio/garden; the first floor landing gives access to three good size bedrooms, bathroom and stairs up to the second floor landing giving access to the master bedroom and en suite shower room.

This characterful family home is located a short walk to quality schools for all age groups, (including the renowned Kings Private School), and the historic High Street with its range of bars, boutiques, restaurants, Norman castle and cathedral, whilst the nearby train station offers 35 minute fast trains to London. All A2/M2/M20 road links to London and coast are a short drive away, with lovely walks on your doorstep also at the nearby conservation area, Vines Park, and River Medway. We recommend viewing at your earliest convenience to avoid disappointment.

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Conveyor Drive, Halling, Rochester

SSTC
2 Bed Apartment - Purpose Built -  Price Guide £215,000

GREENLEAF are delighted to introduce this impressive two bedroom purpose built apartment to the market in sought-after St Andrews Park, Halling. Located on the top floor and boasting far reaching views, off road parking, a Grade B EPC rating, long lease, en suite shower room, plenty of storage and spacious accommodation throughout, this beautifully and tastefully presented property is simply ready to move into and enjoy. The layout briefly comprises of: Entrance hallway with two storage cupboards, access to the impressive open-plan kitchen/lounge, bathroom, inner hallway leading to the two double bedrooms and en suite shower room. Outside there is a good size communal lawn area to the front of the building, and to rear the allocated car parking with visitor spaces also. Whilst the property enjoys a peaceful residential location with a children’s playground a short walk away, all A2/M2/M20 road links to London and coast are close by. There are a selection of quality schools in the local area, and the historic Halling High Street, train station, Bishops Palace, doctors surgery, local amenities and pubs are a walk away. On your doorstep are beautiful river and countryside walks, whilst St Andrews lakes provide swimming, fishing, diving and other leisure facilities. 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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Britton Street, Gillingham

SSTC
2 Bed House -  Price Guide £185,000

Greenleaf Property Services are delighted to exclusively offer for rent this well located two bedroom house, located within a short walk of Medway Park Leisure Centre, Gillingham Railway Station, High Street and Medway Hospital and is perfect for a family.

The property comprises two reception rooms, useful cellar, separate kitchen and a modern style bathroom and to the first floor there are two double bedrooms. Also benefits from gas central heating, double glazing and a good sized rear garden.

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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Cliffe Road, Rochester

SSTC
3 Bed House - Detached -  Price Guide £450,000

GREENLEAF are delighted to introduce this impressive three bedroom detached bay-fronted house to the market, in ever-popular Strood Rochester. Set in an imposing elevated position and boasting a detached garage and established sizeable gardens to front, side and rear, this beautifully presented 1930s family home further benefits from a stunning kitchen/breakfast room extension to the rear, bi-fold doors out onto the patios, and has been fully refurbished throughout in recent years. The layout briefly consists of: Hallway giving access to stairs up to first floor, downstairs shower/utility/WC, lounge, open-plan to dining area, open plan to the kitchen/extension; the upstairs landing gives access to three bedrooms and family bathroom. The opportunity exists for further accommodation into the loft or to the side of the house subject to PP, with lapsed planning in place for a garage relocation. The property is located within a walk to Strood town and all local amenities including the station with fast trains to London, and the beautiful Broomhill Park with far reaching views across the river to Rochester castle, cathedral and beyond, whilst quality local schools for all age groups and A2/M2/M20 road links are close by. Just over the bridge, the historic Rochester High Street awaits with a range of bars, restaurants and boutiques, castle and cathedral. This is an opportunity not to be missed, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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Conveyor Drive, Halling, Rochester

SSTC
3 Bed House - Semi-Detached -  Price Guide £370,000

GREENLEAF are delighted to introduce this beautifully presented three bedroom semi-detached house to the market, in sought-after St. Andrews Park, Halling. Built approximately 6 years ago, this impressive family home boasts a stunning kitchen/diner, spacious lounge, off road parking, good size garden, en suite, bathroom and downstairs WC, and is simply ready to move into and enjoy. The layout briefly consists of: Hallway giving access to WC, stairs up to first floor, lounge, and kitchen/diner with doors out to patio and garden; Upstairs the spacious landing gives access to three good size bedrooms, en suite to master, family bathroom, and airing cupboard. Whilst the property enjoys a peaceful residential location with a children’s playground a short walk away, all A2/M2/M20 road links to London and coast are close by, with nearby Halling train station and Kings Ferry Coach service offering services to London also. There are a selection of quality schools in the local area, and the historic Halling High Street, Bishops Palace, doctors surgery, pubs and local amenities are a walk away. On your doorstep are beautiful river and countryside walks, whilst St Andrews lakes provide swimming, fishing, diving and other leisure facilities. 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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Slatin Road, Rochester

SSTC
3 Bed House - Terraced -  Price Guide £225,000

GREENLEAF are delighted to introduce this well presented three bedroom Victorian terraced house in Strood Rochester to the market, with NO ONGOING CHAIN. The property boasts a separate lounge and dining room, recently updated kitchen and bathroom with new boiler, whilst upstairs there are two double bedrooms and a third single bedroom with an ingeniously installed en suite shower room, making this a great office/dressing room, subject to the new owners wishes. The layout briefly consists of: Lounge and stairs up to first floor, dining room through to kitchen, rear lobby, and bathroom; Upstairs the landing gives access to two double bedrooms, with access from the second to the single third bedroom with en suite shower room. The loft is accessed via the landing, with potential for conversion subject to planning. To the rear the property benefits from an attractive and spacious patio area perfect for outdoor dining, an artificial lawn area, and two storage sheds. Located in a quiet residential location a short walk into town and all amenities, quality local schools, A2/M2/M20 road links, and train station with high speed link to London are all close by. This lovely family home is 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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Frindsbury Hill, Rochester

For Sale
5 Bed House - Detached -  Price Guide £495,000

GREENLEAF are delighted to introduce the opportunity of acquiring a substantial four/five bedroom detached property with planning permission in place for an additional 85 sqm2 three bedroom detached house to the side, (ref MC/20/2659) in sought-after Frindsbury, Strood. This spacious 1930s bay-fronted property does require refurbishment and modernisation throughout, however with space, versatility and potential in abundance, the opportunity is there to create a stunning family home to your own specification. The layout briefly consists of: Entrance porch into lounge, access from here into kitchen, dining room through to study/bedroom five, and stairs up to first floor; The landing gives access to four good size bedrooms, en suite and bathroom. To the front there is an integral garage, off road parking for several cars via an in/out driveway, and to the rear a good size garden accessed from both the kitchen and dining room. Located within a walk to the station and 35 minute fast trains to London, all A2/M2/M20 road links are close by, as are quality local schools for all age groups. Local shops and amenities are located in nearby Strood town centre, with the historic Rochester High Street, castle, cathedral, boutiques, bars and restaurants 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

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