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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Barberry Avenue, Chatham

SSTC
2 Bed House - Semi-Detached -  Price Guide £250,000

GREENLEAF are delighted to introduce this fantastic two bedroom semi-detached house to the market on the popular Davis Estate location in Chatham. Bursting with potential and offered with NO ONGOING CHAIN, this well presented family home does require some updating throughout, but offers the potential to extend to the front, side, rear and into the loft, (subject to planning) and the opportunity to create a family home to your own taste and layout. There are front and rear gardens, a driveway and off road parking for 2/3 cars, and a detached garage to the side of the attractive garden and patio. The layout briefly consists of: Entrance hallway with stairs up to the first floor and doorway into lounge, then open plan to dining room and kitchen; the landing gives access to two double bedrooms, family bathroom and loft. The fully fenced garden and garage are accessed from both the dining room and kitchen, and the spacious patio offers a great space for BBQs and outdoor dining. Located close to quality local schools, A2/M2/M20 road links, nearby shopping facilities, and a short drive to Chatham station and fast links to London, 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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Victoria Street, Rochester

For Sale
1 Bed Apartment - Above Shop -  Price Guide £150,000

GREENLEAF are delighted to introduce this newly refurbished and redecorated one bedroom conversion apartment to the market, in sought-after central Rochester, ME1. Located on the first floor and one of just four apartments in the building, this delightful apartment boasts all new fixtures and fittings throughout, modern grey laminate flooring and tasteful neutral decor, new en suite shower and separate WC, and a spacious new kitchen/lounge with plenty of room for table, chairs, and sofa. The layout briefly comprises of: communal front door and stairs up to front door, compact hallway gives access to kitchen/lounge to front of building, separate WC, and double bedroom to rear of property with open-plan en suite shower and basin/vanity. The property is situated just off the historic Rochester High Street, with its range of boutiques, bars, restaurants, Norman castle and famous cathedral, and is a short walk to the train station and high speed service to London. Quality local schools are nearby, as are all A2/M2/M20 road links to London and coast, with Bluewater Shopping Centre a short drive away also. This 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, 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
1 Bed Apartment - Above Shop -  Price Guide £155,000

GREENLEAF are delighted to introduce this newly refurbished and redecorated one bedroom conversion apartment to the market, in sought-after central Rochester, ME1. Located on the second floor and one of just four apartments in the building, this delightful apartment boasts all new fixtures and fittings throughout, modern gloss laminate flooring and tasteful neutral decor, new shower room and separate WC, and a spacious new kitchen/lounge with plenty of room for table, chairs, and sofa. The layout briefly comprises of: communal front door and stairs up to second floor front door, compact hallway gives access to shower room, kitchen/lounge to front of building, WC, and bedroom to rear of property. The property is situated just off the historic Rochester High Street, with its range of boutiques, bars, restaurants, Norman castle and famous cathedral, and is a short walk to the train station and high speed service to London. Quality local schools are nearby, as are all A2/M2/M20 road links to London and coast, with Bluewater Shopping Centre a short drive away also. This 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, 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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School Lane, Sutton Valence, Maidstone

SSTC
3 Bed House - Detached -  Offers In Excess Of £325,000

GREENLEAF are delighted to introduce this beautifully presented three bedroom detached coach house to the market, in sought-after Sutton Valence, Maidstone. Originally a stone barn and believed to date back to 1600-1700s, this unique family home has been completely rebuilt from top to bottom by the current owners to a high modern standard and features an attractive spacious open plan kitchen/diner, separate lounge, bathroom, en suite, and a good size cobbled courtyard garden and off road parking. The layout briefly consists of; Lounge through to open-plan kitchen/diner, bathroom, and doors out to courtyard garden; upstairs the landing gives access to three bedrooms, and en suite shower room.
Located south of the busy market town of Maidstone with its range of stations, shops, bars, restaurants and quality schools, picturesque Sutton Valence village overlooks the Vale and Weald of Kent and offers beautiful countryside walks and views and a range of local amenities including a primary school, renowned Independent School, post office, church, castle and public houses. Headcorn station is a short drive away providing fast travel to London Charing Cross, thereby offering the opportunity of village life yet still commutable to London when necessary. 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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West Street, Rochester

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

GREENLEAF are delighted to introduce this well presented three bedroom end of terrace Victorian house to the market, in ever popular Strood, Rochester. The property is set over three floors and benefits from three double bedrooms, an attractive and spacious open-plan lounge/diner, good size kitchen, impressive shower room, and garden with decked area and large shed. The layout briefly consists of: Front door into lounge, open plan to dining area, rear lobby giving access to kitchen and stairs up to first floor; the second floor landing gives access to two double bedrooms and shower room, and stairs up to second floor and third double bedroom.
Whilst located in a quiet residential road in the sought-after Frindsbury area, the property is a convenient short walk to Strood station and fast train service to London, as well as all local amenities and shops. Quality local schools, leisure facilities and A2/M2/M20 road links are all close by, as is the historic Rochester High Street, River Medway and a great selection of restaurants, bars and boutiques. 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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Warblers Close, Rochester

SSTC
1 Bed Apartment - Purpose Built -  Price Guide £95,000

GREENLEAF are delighted to introduce this one bedroom first floor over fifty-fives retirement maisonette to the market, in ever popular Strood, Rochester. Situated in a quiet residential cul de sac development, boasting well tended communal gardens and laundry room, off road parking, 964 year lease, and stair-lift to the property if mobility is an issue, the property further benefits from a local development manager and 24 hour emergency Apello call system, and is offered to the market vacant with no ongoing chain. The layout briefly consists of: Your own front door into hall with stairs/stair-lift up to further front door into lounge, archway to kitchen, door to inner hallway giving access to bedroom, bathroom, and storage cupboard. Located a short walk to town and all local amenities, shops, bars, restaurants, doctors surgery and train station to London and coast, local A2/M2/M20 road links are a short drive away. Whilst the apartment is neutrally decorated and has been well cared for over the years, it would also benefit from some updating and TLC throughout, giving you the opportunity to put your own stamp on this perfectly placed 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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Crow Lane, Rochester

SSTC
1 Bed Apartment - Purpose Built -  Price Guide £199,950

GREENLEAF are delighted to introduce this impressive one bedroom ground-floor apartment to the market, favourably located within the sought-after Kings Mews just off Rochester High Street, ME1. Tucked away to the rear of this attractive looking building behind secure entry-phone gates, this fantastic property boasts a spacious hallway giving access to a good size bedroom, bathroom, and stunning open-plan kitchen/lounge-diner. The property has been well cared for by the current owner and boasts GCH, double-glazed windows and a long lease, and is conveniently located a short walk to the train station and 35 minute fast trains to London. With the beautiful Vines Park, Restoration House, historic Dickensian High Street and its fine selection of restaurants, bars, boutiques, famous cathedral and Norman castle all on your doorstep, quality local schools and A2/M2/M20 road links are all close by. Whether you commute or work from home this property represents a fantastic opportunity for all, and is simply ready to move into and enjoy. 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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Marina Point East, Chatham

SSTC
1 Bed Apartment -  Price Guide £165,000

** INVESTMENT PURCHASE- TO BE SOLD WITH TENANTS IN SITU**

A well maintained one bedroom apartment, situated in the East Tower on the Chatham Maritime Marina, offering panoramic views across the marina and the River Medway towards Upnor Castle. This modern luxury apartment is complimented by high quality fixtures and fittings to both the bathroom and kitchen, including integrated appliances. Accommodation comprises of entrance hallway with utility cupboard, well appointed bathroom comprising of bath with shower over, basin, W.C and built in mirrored storage, open plan kitchen/living room, and double bedroom with fitted wardrobes. The Dockside complex has a vast array of activities including shopping, a cinema, gym, restaurants and bars, and the property further benefits from secure undercover parking with direct lift access. The current ‘company’ tenant is paying £900pcm, perfect for any investors wishing to get an instant income from their purchase.

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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The Terrace, Rochester

SSTC
1 Bed Flat - Conversion -  Price Guide £375,000

GREENLEAF are proud to introduce “The Drying Loft”, a stunning and unique one bedroom split-level conversion apartment, set in Woodhams Brewery adjacent to the historic Restoration House, Rochester ME1. Recently refurbished to a high quality bespoke standard throughout whilst retaining many impressive original features, this delightful property is located where hops for the original brewery were dried, and boasts space, light, style and character in abundance. The layout briefly consists of: grand communal staircase to the front door, galleried hallway overlooking the lounge, with a few steps up to a dressing room, bedroom and en-suite; a few stairs down lead to the spacious and light lounge, bathroom, and double doors into the impressive kitchen/diner, with an imposing island separating the two areas.
Located a short walk to the Historic Dickensian High Street with its range of boutiques, bars, restaurants, famous cathedral, Norman castle, and train station with 35 minute fast trains to London, all A2/M2/M20 road links to London and coast are close by, as are quality local schools including the prestigious Kings School, and all local amenities.
We recommend viewing at your earliest convenience to fully appreciate the unique opportunity on offer here, our sales team look forward to hearing from you soon.

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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Bells Lane, Hoo, Rochester

SSTC
4 Bed House - Townhouse -  Price Guide £315,000

Greenleaf are delighted to offer FOR SALE this four bedroom family home situated in the village of Hoo. The spacious and versatile accommodation is set over three floors, and briefly comprises of open plan kitchen/dining/ family room leading onto the attractive rear garden with patio. To the first floor you will find a large lounge, bedroom four and attractive modern shower room. To the second floor are three further bedrooms and a good size family bathroom. The property further benefits from off road parking for two vehicles, double glazing and gas central heating. Internal viewings are highly recommended to appreciate the size of the accommodation, 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. 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. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

4 4 2

Nares Road, Rainham

SSTC
3 Bed House - Semi-Detached -  Price Guide £315,000

Greenleaf are delighted to introduce this spacious and well presented three/four bed semi-detached house to the market, in sought after Rainham, Gillingham. Located in a quiet residential close and set well back from the road with off road parking for three cars and potential for more if desired, this extended versatile family home boasts an integral garage with potential for use as a fourth bedroom or office (subject to planning), new kitchen and bathroom in recent years, spacious rooms throughout, and a great size dining room overlooking the garden, complete with patio and pergola perfect for outdoor entertaining. The layout briefly consists of; Handy entrance porch into main hallway, access from here to WC, garage/bedroom four, kitchen, stairs up to first floor, and lounge through to dining room; upstairs the spacious and light landing gives access to three good size bedrooms and family bathroom. Located close to all local amenities, leisure facilities and quality local schools, Rainham train station to London and coast is within two miles, Hempstead Shopping Centre is a short drive away offering a fine selection of restaurants, bars and shopping, and there are great M2/A2/M20 road links 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. 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. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

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Frindsbury Road, Rochester

SSTC
1 Bed Flat - Studio -  Price Guide £125,000

GREENLEAF are delighted to introduce the opportunity of acquiring this impressive and spacious purpose built, first floor studio apartment in Strood, Rochester. With car parking to the rear, a truly spacious main room with plenty of space for separate dining, lounge and bedroom areas. There is also an open-plan kitchen with newly fitted combi-boiler. This attractive looking building is located a short walk to the station and 35 minute fast trains to London. Town and all amenities are a short walk away, as are A2/M2/M20 road links. This property is ready to simply move into and enjoy, with no ongoing chain, we recommend viewing at your earliest convenience to avoid disappointment.

We endeavor 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. Fixtures and fittings other than those mentioned are to be agreed with the seller by separate negotiation.

More Details

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