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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Botsom Lane, West Kingsdown, Sevenoaks

For Sale
3 Bed House - Detached -  Offers Over £600,000

GREENLEAF are delighted to introduce this stylish and individual detached three double bedroom house to the market, in sought-after semi-rural West Kingsdown, Kent. The property boasts generous off road parking, low maintenance front and rear gardens, and a truly impressive modern, light, stunning and spacious interior throughout, with the possibility of all furnishings to be included.
The layout briefly consists of: Front door (to side of house) into the spacious hallway giving access to double bedrooms two and three, storage cupboard, family bathroom, stairs up to first floor, and the imposing vaulted open-plan kitchen/dining/lounge room. Bi-fold doors open out onto the garden from here. The spacious upstairs landing features an impressive range of fitted wardrobes and drawers providing a great dressing space for the master bedroom, which in turn is of a great size and enjoys a beautifully appointed en suite, and beautiful balcony area to the front of the house.
The property is enviably located in West Kingsdown, a village on the North Downs in Kent to the north of Sevenoaks. The village has a parade of shops, two public houses, a medical centre and library, whilst M25, M2, M20 and A20 road links are all close by making it an easy commute to Sevenoaks, Dartford or London, with Bluewater Shopping Centre approximately 15 mins away. The nearby Eynsford and Farningham train stations give good access to London or the coast, with Sevenoaks, Swanley and Sidcup train stations providing a fast service. The area is well served with a range of both private and state schools, whilst the famous Brands Hatch, London Golf Club and other leisure facilities are all close by. Located in a leafy country lane occupied by other impressive individual properties, the opportunity is there for semi-rural living and beautiful walks with accessibility to all local amenities, we recommend viewing at your earliest convenience to avoid disappointment.
https://vt.ehouse.co.uk/7DXKXr1yvic

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Thornhill Place, Maidstone

SSTC
2 Bed House -  Offers In Excess Of £200,000

GREENLEAF are delighted to introduce this characterful 2 bedroom mid-terrace house to the market, enviably located in a tucked-away location close to Maidstone town centre and Maidstone East railway station. Built in 1854 and boasting an inglenook fireplace and a cellar, the layout briefly consists of: Lounge through to stairs up to first floor, doorway into a spacious kitchen with granite effect work tops and built in electric oven and hob. There is also a separate utility room leading to a pleasant secluded courtyard. The family bathroom is situated downstairs also, whilst upstairs there are two double bedrooms. Whilst well presented throughout the property would benefit from a little update and modernisation in due course but perfect for any first time buyer wishing to put their own stamp on this lovely little cottage and more than ideal for any investment buyers wishing to take on an instant rental. Located within a short walk of Maidstone’s fine selection of shops, cafes, restaurants, bars, river walks and and boat trips, quality schools for all age groups are all close by. The property further benefits from gas central heating, is double glazed and offers potential for permit parking or garage rental. We recommend viewing at you 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 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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Alexandra Street, Maidstone

SSTC
1 Bed Flat - Studio -  Price Guide £110,000

GREENLEAF are delighted to introduce this spacious purpose built studio apartment in a fantastic location close to Maidstone town centre and Maidstone East railway station, within a short walk of Maidstone’s fine selection of shops, cafes, restaurants, bars, river walks and and boat trips. This property would be an ideal investment opportunity with it’s 995 year lease and share of freehold, alternatively it would also suit any first-time buyers wanting to get their foot on the property ladder. The apartment is situated on the third floor with a picture window to one side, whilst overlooking the attractive gardens to the other side. There is a separate bathroom and a modern kitchen area in the main living space which has the potential to be partitioned to create a separate sleeping and lounge arrangement, subject to permissions. There is a large outside storage cupboard adjacent to the front door, internally there are two further storage cupboards and the property further benefits from gas central heating, double glazing and garage. The development is ideally located on it’s own grounds with generous outside space and there is a barrier creating controlled parking and private access. 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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Davy Court, Rochester

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

GREENLEAF are delighted to introduce this beautifully presented linked-end of terrace four bedroom townhouse to the market, in a highly sought-after exclusive gated development, just off Rochester High Street. Built in 2003, and boasting versatility and space throughout, this unique freehold family home is set over three floors and boasts off road parking, two separate garden areas, bedroom four/office space, family bathroom and downstairs WC, and a stunning new quality kitchen/diner and en suite. The property has been much cared for by the current owners for many years, and is simply ready to move into and enjoy.
The layout briefly consists of: generous hallway giving access to kitchen/diner, door to side garden, WC, through to lounge with door to rear garden space. The first floor landing gives access to the master bedroom and en suite, second bedroom and family bathroom; The second floor landing gives access to two further bedrooms, with bedroom four offering potential for use as an office or nursery, subject to the new owners wishes.
Located a short walk to the historic Rochester High Street and its range of quirky boutiques, cafes, bars and restaurants, cathedral, castle and station with 35 minute fast trains to London St Pancreas, quality 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 nearby, we recommend viewing at your earliest convenience to avoid disappointment.

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Davy Court, Rochester

SSTC
1 Bed Flat - Purpose Built -  Price Guide £220,000

GREENLEAF are delighted to introduce this spacious and well presented one bedroom apartment to the market in a sought-after exclusive gated development in ME1 Rochester. Located on the first floor, the property boasts secure undercroft parking, great room sizes throughout, a long lease and a recently new boiler, and whilst well cared for by the current owner and ready to move into and enjoy, the opportunity is also there to update and modernise to your own tastes. The layout briefly consists of: Entrance hallway giving access to the good size bathroom, airing cupboard, spacious bedroom, and great size open-plan lounge/kitchen. Located in an electronically gated secure development just off Rochester High Street, this delightful apartment is a short walk to the the historic High Street and its range of restaurants, bars, cafes and boutiques, train station with 35 minute fast trains to London St Pancreas, and impressive Norman castle, cathedral and extensive Dickensian history. A superb selection of quality local schools are all close by, as are all A2/M2/M20 road links, yet Davy Court itself enjoys an enviable peaceful and secure tucked-away position, close to The Vines Park and the historic Restoration House. . 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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South Avenue, Gillingham

SSTC
3 Bed House - Semi-Detached -  Price Guide £399,995

GREENLEAF are delighted to introduce this substantial three bedroom well presented semi-detached house to the market in Gillingham, Kent. Boasting bay windows, stunning original oak flooring throughout, feature fireplaces, an extended kitchen, patio, garden and a large garage/workshop for three or four cars. This beautiful 1930s Ballard property benefits from generous room sizes and high ceilings throughout, and is set in a cul de sac location close to the nearby tennis club. Whilst the property has been much loved by the current owner for many years and is ready to move into and enjoy, the opportunity is also there to further update and improve subject to the new owners wishes.
The layout briefly consists of: Entrance porch into the main hallway giving access to lounge, dining room, and extended kitchen out to potential WC, access to garden and garages/workshop from dining room and kitchen. The spacious upstairs landing gives access to three double bedrooms and family bathroom.
Located within a walk of Vinall Park and quality local schools, all A2/M2/M20/M25 road links to London and coast, leisure, shopping and local amenities are on your doorstep, whilst the Medway hospital and train stations to London are a short drive away. We recommend viewing this fantastic family home 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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City Way, Rochester

SSTC
3 Bed House - Detached -  Price Guide £575,000

GREENLEAF are delighted to introduce this detached chalet bungalow to the market, on a lovely corner plot with ample space to park 4/5 cars. With its modern, beautifully presented interior and location on the highly sought-after City Way, Rochester, ME1, it has much to offer! In addition to it’s curb appeal, this unique and impressive family home boasts charming and manageable gardens to three sides, with two en suites, and spacious and tastefully decorated rooms throughout. It is available potentially fully furnished with no ongoing chain. The layout briefly comprises of; Entrance porch opening into a large entrance hall, access from here to kitchen/diner, lounge, WC, double bedroom three with en suite shower room, large storage cupboard, and stairs up to first floor; The landing gives access to two further double bedrooms, en suite shower room and family bathroom. Located close to quality local schools, A2/M2/M20 road links to London, Bluewater Shopping Centre and coast, the historic Rochester High Street with it’s range of quirky boutiques, restaurants, bars, River Medway, cathedral, Norman castle, and station with 35 minute fast trains to London is a brisk walk 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, 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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The Ridgeway, Chatham

SSTC
4 Bed House - Semi-Detached -  Price Guide £485,000

GREENLEAF are delighted to introduce this substantial four bedroom,1930s bay-fronted semi-detached house to the market, bursting with potential, on the sought-after Chatham/Rochester borders. To the front, this attractive looking property is set well back from the road with ample off road parking for four/five cars, established front gardens and an integral garage with requested planning permission for a further bedroom and en suite. To the rear, there is a truly impressive and good sized established landscaped garden, complete with summerhouse and workshop with power and light. The property has benefited from a new kitchen in recent years, and boasts a conservatory with fantastic views across the garden, a bonus loft room currently used as an office, aircon in the bedrooms and conservatory, solar panels, and planning in process for an upstairs en suite. There is also potential to extend further to the side, rear, and into the loft subject to permissions and new owners wishes.

The layout briefly consists of: Spacious hallway giving access to the lounge, dining room through to the conservatory, and kitchen through to the utility area and WC, with doors to the garden from the conservatory and utility area. The spacious upstairs landing gives access to four double bedrooms, bathroom and loft room.

Whilst this well presented family home has been much cared for by the current owners for many years and is ready to move into and enjoy, the opportunity is there to update, modernise and extend (STPP) to the new owners personal taste. Enjoying a prestigious location close to Chatham and Rochester stations with fast trains to London, all A2/M2/M20 road links are close by, as are quality schools for all age groups, whilst the nearby historic Rochester High Street boasts the famous cathedral, castle, restaurants, bars and boutiques. We recommend viewing at your earliest convenience to avoid disappointment.

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Hermitage Road, Higham, Rochester

SSTC
2 Bed House - Mid Terrace -  Price Guide £275,000

GREENLEAF are delighted to introduce this beautifully presented two bedroom, bay-fronted cottage to the market, in the sought-after semi-rural location of Higham, Rochester. The property has been much cared for and updated in recent years, including new kitchen, bathroom, log burner and staircase, whilst outside the low maintenance front and rear gardens are attractively paved and fenced with stunning far reaching river and countryside views. Parking is available directly in front of the property, with the possibility of further unofficial parking to rear. The layout briefly consists of : entrance porch to lounge, open plan into the dining area with stairs up to first floor, door out to garden and doorway access into the spacious kitchen through to the bathroom. Upstairs, the compact landing gives access to the two double bedrooms, both with stunning views. Although peacefully located on a quiet country lane, the property is just a short drive to A2/MR/M20 road links to London and the coast, Higham and Strood stations to London, quality local schools, and all leisure and shopping amenities. This fantastic first-time buy or investment property is simply ready to move in to 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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St. Peter Street, Rochester

SSTC
3 Bed House - End Terrace -  Price Guide £325,000

GREENLEAF are delighted to introduce this beautifully presented three bedroom, bay-fronted, end of terrace house to the market, in sought-after ME1 Rochester. The property has been much cared for and upgraded by the current owners and boasts fantastic open-plan accommodation to the ground floor with lounge and spacious kitchen/diner, new quality boiler, newly fitted shutters and front door, a versatile bonus basement currently used as an office, three bedrooms with quality wardrobes to stay in bedroom two, and has been newly repainted externally to the front and rear of the property. The layout briefly consists of: Hallway with stairs up to the first floor, doorway into lounge area to the front of the house, open-plan into kitchen/diner to the rear with double doors to patio and garden, and doorway down to basement/office. The upstairs landing gives access to three bedrooms consisting of two doubles and one single, and the spacious bathroom. To the rear, there is a good size patio with a few steps down to the attractive low maintenance private garden perfect for outdoor dining and entertaining. Located a short walk into town and all amenities, the historic High Street with its stunning castle, cathedral and range of cafes, restaurants and boutiques are all on your doorstep, as is the station with fast trains to London, all A2/M2/M20 road links, and quality local schools for all age groups. We recommend viewing at your earliest convenience to avoid disappointment, this property is simply ready to move into and enjoy.

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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 Victorian house to the market, in Chatham, Kent. Set over three floors, this spacious and versatile family home boasts a bathroom and additional WC/Utility room, a great size garden, a cinema room/office, three double bedrooms, and good size rooms throughout. Whilst the property has been well cared for by the current owners, the opportunity and potential is there to further update and redecorate to the new owners wishes, or simply move in and enjoy your new home.
The layout briefly consists of: Ground-floor with lounge, double bedroom one, and spacious bathroom; open plan stairs from the lounge lead up to the first floor landing giving access to two further double bedrooms; A further doorway from the lounge leads to the stairs down to the lower ground-floor giving access to the kitchen/breakfast room, family room/office, utility room/WC, and doorway out to garden. Conveniently located close to the town and all shopping and leisure facilities, the station with fast trains to London, A2/M2/M20 road links, and quality schools for all age groups are all close by, whilst the Medway Hospital and the historic Rochester High Street are 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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Northcote Road, Rochester

SSTC
3 Bed House - End Terrace -  Price Guide £280,000

GREENLEAF are delighted to introduce this extended three bedroom end of terrace house to the market, in Strood Rochester, brimming with potential. Conveniently located close to town and all amenities, the property boasts a separate lounge, kitchen, utility area, three bedrooms and potential for an en suite shower, whilst outside there is ample off road parking with enough space for a garage (subject to planning), and an attractive rear garden with raised decked area. Whilst the property has been updated and well cared for by the current owners for many years, the opportunity is there to finish and add the final touches to create a fantastic family home to the new owners requirements. The layout briefly consists of: Compact entrance hallway with stairs up to first floor and lounge to your right, through to kitchen, dining room/utility area with double doors to rear, and door to bathroom; Upstairs, there are three bedrooms with potential for an en suite shower room- the room is there, just needs finishing. Located within walking distance of the town and all shopping and leisure amenities, station with fast trains to London, quality local schools for all age groups, and A2/M2/M20 road links, we recommend viewing this attractive looking property at your earliest convenience to avoid disappointment. EPC Grade D.

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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