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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St. Williams Way, Rochester

For Sale
3 Bed House -  Offers In The Region Of £325,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this well presented three bedroom semi-detached house to the market, in a sought-after residential location within Rochester, ME1. This bay-fronted family home boasts a good size rear garden, off road parking, a study/office, downstairs WC, good size rooms throughout and is available with NO ONWARD CHAIN!

The layout briefly consists of: Entrance hall, lounge, fitted kitchen/dining room, study/office room and cloakroom W/C. To the first floor there are three good size bedrooms and family bathroom W/C.

Located within walking distance of highly regarded schools and a short drive to all A2/M2/M20 road links, nearby historic Rochester offers a fine selection of restaurants, bars, boutiques, the famous cathedral and Norman castle, and beautiful riverside walks, whilst the bi-annual Dickens Festivals provide a great weekend for all ages. Also close by are Rochester and Chatham stations, offering a fast service into London St Pancras, whilst all local/shopping amenities are a short walk/drive away.

Whether you’re a first-time buyer or looking to downsize, this immaculate property needs to be viewed to see the potential on offer, we recommend viewing at your earliest convenience to avoid disappointment.

EPC Grade Awaited. Council Tax Band C.

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Collis Street, Rochester

For Sale
3 Bed House - Terraced -  Price Guide £265,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this vacant mid-terrace Victorian house to the market, available with NO ONWARD CHAIN, and ready to move into and enjoy. Boasting three separate bedrooms, a separate lounge and dining room, new kitchen, bathroom, carpets and redecoration throughout, further benefits include a good size rear garden with potential, and a quiet cul de sac location just a short walk to town and all amenities.

The layout briefly comprises of: Lounge through to the stairs up to the first floor, dining room leading to kitchen, rear lobby, doors into bathroom, and out to garden; The first floor landing gives access to three separate bedrooms.

Located close to highly regarded local schools for all age groups, Strood station with 35 minute fast trains to London is a brisk walk away, as is the town centre providing a wealth of shopping, dining and leisure facilities, and highly regarded schools. All A2/M2/M20 road links are a short drive away, whilst the nearby Dickensian Rochester High Street offers a further variety of restaurants, bars, boutiques and clubs, as well as the ever popular castle, cathedral and highly sought-after schools. Interest is sure to be strong in this ready-to-move-into family home, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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1 3 1 754sqft

Valley View Road, Rochester

Under Offer
4 Bed House - Semi-Detached -  Price Guide £435,000

GREENLEAF PROPERTY SERVICES are delighted to introduce to the market this extended, versatile, and beautifully presented semi-detached house, enviably located just a short walk to the Rochester Grammar Schools. Boasting four bedrooms, two bathrooms, a stunning open-plan kitchen/breakfast room and equally impressive conservatory with vaulted roof. This spacious and light family home further benefits from a utility room, off road parking for two/three vehicles, and a beautifully established rear garden with large summerhouse complete with pool table to stay! There is also a bar and BBQ area, and a decked area with storage shed. Properties of this size and location are rarely available, we therefore recommend viewing at your earliest convenience to avoid disappointment.

The layout briefly comprises of: Entrance porch into hallway giving access to the lounge, bedroom four, kitchen/breakfast room through to the impressive conservatory/dining room; The utility room is accessed via the breakfast area and gives access to the shower room/WC; The upstairs landing gives access to three further bedrooms and the family bathroom.

Located within a walk of the highly regarded Rochester Grammar School and Sir Joseph Williamson’s Mathematical School, all A2/M2/M20 road links are a short drive away. Nearby historic Rochester High Street offers a range of restaurant, cafes, boutiques and independent shops, as well as the Norman castle and famous cathedral. Leisure and shopping amenities are also nearby, whilst Rochester station offers a 35 minute fast train service to London St Pancras.

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Warden Road, Rochester

SSTC
3 Bed House - Semi-Detached -  Price Guide £375,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this extended and well presented semi-detached house to the market, in a sought-after residential location within ME1 Rochester. Enviably located just a short walk to highly sought-after grammar schools, this fantastic family home boasts a great size bay-fronted open-plan lounge, an impressive extension creating a spacious “L-shaped” open-plan kitchen/diner for all the family, three good size bedrooms, a bathroom/WC, and entrance porch providing useful extra space. Further benefits include off road parking directly to the front of property, a front garden area providing the opportunity to create further off road parking if desired, and a beautifully established good-size rear patio and garden to enjoy the summer evenings. Viewing is sure to be strong in this spacious ready-to-move-into family home, we therefore recommend viewing at your earliest convenience to avoid disappointment.

The layout briefly comprises of: Entrance porch into the hallway, giving access to the bathroom/WC, spacious open-plan lounge, dining room extension to rear which is open-plan into the kitchen, and stairs up to the first floor; The landing gives access to three good size bedrooms.

Peacefully located in a quiet residential area just a short walk from the Maidstone Road Rochester and all major A2/M2/M20 road links and bus stops, local amenities and highly regarded schools including the Rochester Grammar Schools are all a short distance away. The historic High Street with its range of boutiques, restaurants, bars, famous cathedral, Norman castle, and station with 35 minute fast trains to London is within a 20 minute walk. Call now to book your viewing!

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2 3 1 1228sqft

Davy Court, Rochester

For Sale
1 Bed Apartment - Purpose Built -  Price Guide £200,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this spacious and well presented one bedroom GROUND-FLOOR apartment to the market, in sought-after ME1 Rochester. Enviably located just a short walk to the historic High Street and all amenities, this exclusive gated development is surprisingly peaceful and quiet, therefore offering convenience and comfort in equal measure. Boasting spacious accommodation throughout, including an impressive open-plan lounge/diner and kitchen, further benefits include an allocated off-road parking space conveniently located directly in front of the property, and plenty of useful storage. Whilst the apartment has been well cared for by the current owners, the opportunity is also there for the new owners to refresh and update to their own personal taste.

The layout briefly comprises of: Spacious hallway with large storage cupboard, giving access to bedroom, bathroom, and the generous lounge/diner open-plan to the kitchen area.

Located just a short walk to the historic Dickensian Rochester High Street and its range of boutiques, cafes, bars and restaurants, cathedral, castle and station with 35 minute fast trains to London St Pancreas, highly regarded local schools for all age groups are close by, including Kings and St Andrews private schools. With A2/M2/M20 road links to London and coast a short drive away, river walks on your doorstep and a range of leisure and shopping amenities nearby, we recommend viewing at your earliest convenience to avoid disappointment.

Service Charge- £500 quarterly
Ground Rent- £150 per 6 months
Lease- 100 years

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Hempstead Road, Hempstead, Gillingham

For Sale
3 Bed House - Semi-Detached -  Price Guide £450,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this extended four bedroom semi-detached house to the market, in sought-after Hempstead, Gillingham. Available with NO ONWARD CHAIN and vacant possession, this bright and spacious family home benefits from ample off road parking to front and rear, a single AND double garage, great size lounge with a good size dining room extension to the rear, and a decked sun terrace leading to the private established rear garden with rear access into the garages. Further benefits include a useful bedroom four/office to the ground-floor, downstairs shower room/WC and upstairs bathroom/shower room. Whilst well cared for by the current residents for many years and ready to move into and enjoy, the opportunity exists to refresh and update this versatile and spacious property to the new owners wishes, we therefore recommend viewing at your earliest convenience to avoid disappointment.

The layout briefly comprises of; Hallway giving access to impressive lounge through to dining room, kitchen, bedroom four/office, rear lobby, and downstairs shower room/WC. Upstairs a spacious landing gives access to three bedrooms and a family bathroom.

Located close to highly regarded local schools, easy access to A2/M2 road links, stations to London within 2-3 miles, Hempstead Shopping Centre and nearby local Coop and amenities, interest is sure to be strong in this enviably located family home, we look forward to hearing from you soon.

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Onslow Road, Rochester

SSTC
3 Bed House - Terraced -  Price Guide £285,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this beautifully presented three bedroom Victorian house to the market, in a sought-after residential road just a short walk from the historic Rochester Street and all amenities. Boasting two double bedrooms and a third single bedroom accessed via bedroom one which is currently used as a dressing room, this much loved family home further benefits from an entrance area leading into the separate lounge and dining room, modern good size bathroom and kitchen, and a beautifully established rear patio and garden with a fantastic range of flowers, shrubs and plants. There is also a further BBQ area to the rear of the garden with a useful storage shed. If you are looking for a property to simply move into, unpack and enjoy, then look no further, we recommend viewing at your earliest convenience to avoid disappointment.

The layout briefly comprises of: Entrance area into dining room, through to the lounge with log burner and access to garden, and kitchen through to the stylish bathroom; Upstairs, there are two beautifully presented double bedrooms, with single bedroom three accessed via bedroom one, and currently used as a dressing room/study.

Located within a walk of the historic Dickensian High Street with its range of popular restaurants, cafes, bars and boutiques, famous cathedral, Norman castle, and beautiful River Medway walks, the property is also enviably located opposite Jacksons Fields, and is within a walk of the highly regarded Kings and St Andrews private schools, and a short distance from Rochester’s Grammar schools. The nearby station offers a 40 minute fast train service to London St Pancras, whilst all A2/M2/M20 road links to London and coast are a short drive away.

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2 3 1 840sqft

Church Street, Hoo, Rochester

SSTC
3 Bed House -  Offers Over £315,000

GREENLEAF are delighted to introduce this immaculately presented three bedroom house to the market, in sought-after Hoo, Rochester. This attractive property boasts spacious rooms throughout, off road parking, gas central heating and new double glazing.

The layout briefly comprises of; hallway giving access to cloakroom W/C, kitchen, a spacious lounge diner with doors out to the garden. The spacious landing gives access to three bedrooms, and family bathroom W/C.

This impressive and attractive family home has been much loved and cared for by the present owners, and is tastefully presented throughout to a high standard. It is quite simply ready to move into and enjoy.

Located in a fantastic semi-rural location with wonderful countryside views, a walk to local shops and schools, and a short drive to town, shops, station, and all A2/M2/M20 road links, we recommend viewing at your earliest convenience to avoid disappointment

Council Tax Band C. EPC Grade D.

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St. Margarets Street, Rochester

SSTC
4 Bed House - Detached -  Price Guide £950,000

GREENLEAF PROPERTY SERVICES proudly introduce this stunning detached double-aspect residence to the market, in the highly sought-after “Golden triangle” location of ME1 Rochester, available with NO ONWARD CHAIN! Built approx 1898, and bursting with character, original features, versatility, space and classic Victorian style throughout, this beautifully presented and much loved family home really needs to be seen to be appreciated. Benefits include four double bedrooms-with the additional bonus of a spacious loft room offering potential for use as a fifth bedroom subject to usual permissions, an impressive hallway with separate lounge and dining rooms, utility room, en-suite, beautifully established yet low maintenance gardens, and off road parking for two cars. Properties of this calibre and location are few and far between, we therefore recommend viewing at your earliest convenience to avoid disappointment.

The layout briefly comprises of: Hallway giving access to lounge, dining room, kitchen, utility room, WC, study/garden room and stairs up to the first floor; The split-level upstairs landing gives access to four double bedrooms, an en suite and family bathroom, WC, and removable wooden staircase to the spacious loft room. There is a useful hard-standing storage area to the rear, a pretty courtyard garden to one side, and the beautifully established lawn garden is accessed via the study/garden room.

Located opposite the beautiful St Margaret’s Church, a short walk away from highly regarded schools for all age groups including the renowned Kings and St Andrews private schools, the station with 35 minute fast trains to London St Pancreas, and the historic High Street offering a wealth of cafes, bars, restaurants and boutiques, as well as the famous cathedral and Norman castle are all within walking distance. A2/M2/M20 road links to London and coast are all close by, as are beautiful river walks, and the nearby ever-green Vines open space.

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Devon Close, Rainham, Gillingham

SSTC
3 Bed House - Semi-Detached -  Offers Around £350,000

Greenleaf Property Services are pleased to offer to the market for the first time in 68 years, this well maintained and immaculately presented semi-detached property, situated in the sought-after Devon Close, Rainham.
The accommodation comprises of entrance porch, entrance hallway, lounge/dining room which leads on to a part-brick built conservatory and kitchen. To the first floor there are three good size bedrooms and bathroom W/C.
The property has a good size rear garden, block-paved off road parking for two vehicles and a useful garage to the rear.
Located close to highly regarded local schools for all age groups, all A2/M2/M20 road links are a short drive away. Rainham offers wide range of shopping facilities, restaurants, cafes and bars, whilst the comprehensive Dockside outlet is a short drive away also. Rainham station is a short walk away and offers a fast train service to London St Pancras, whilst bus stops are nearby also.
Opportunities such as this are few and far between, we therefore recommend viewing at your earliest convenience to avoid disappointment.
EPC Grade Awaited- Council Tax Band Band D.

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Curlew Avenue, Lower Halstow, Sittingbourne

SSTC
3 Bed House -  Offers In The Region Of £350,000

Greenleaf Property services are pleased offer to the market this immaculately presented home, situated in the charming riverside village of Lower Halstow. This well-appointed house boasts three bedrooms and an office making it ideal for families or those seeking that extra room.

The property offers a lounge/dining room complete with log burner, fitted kitchen, conservatory, study and downstairs cloakroom W/C.

Upstairs, you will find the three bedrooms with an ensuite shower room W/C and family bathroom. The property also benefits from a garage to the side and off road parking.

Lower Halstow is a picturesque village, offering delightful river walks and a sense of community, while still being close to local amenities. This home is not just a property; it is a lifestyle choice, combining comfort, convenience, and the beauty of riverside living.

EPC Grade C. Council tax band D.

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Higham Road, Wainscott, Rochester

SSTC
2 Bed Bungalow - Semi Detached -  Offers In The Region Of £320,000

Available with NO ONWARD CHAIN!

Greenleaf Properties Services are pleased to offer this semi-detached bungalow to the market, situated on the sought after Higham Road, Wainscott. This spacious property, whilst in need of updating throughout, boasts a lovely size rear garden, a conservatory, off road parking, double glazing, gas central heating, and potential to create a lovely family home to your own specification.

The accommodation comprises of: entrance hall, lounge area open-plan but separate to the dining area, kitchen, conservatory, two bedrooms and bathroom W/C.

Located close to highly regarded local schools for all age groups including the newly opened Maritime Academy, all A2/M2/M20 road links are a short drive away. Strood and the historic Rochester town centres both offer a wide range of shopping facilities, restaurants, cafes and bars, whilst the comprehensive Dockside outlet is a short drive away. Strood station provides fast, direct and frequent trains to London St Pancras and the Kent coast. The location is well-served by nearby bus routes making it highly accessible.
Opportunities such as this are few and far between, we therefore recommend viewing at your earliest convenience to avoid disappointment.
EPC Grade Awaited. Council Tax Band C. Freehold

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