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. Johns Way, Rochester

For Sale
6 Bed House - Detached -  Price Guide £775,000

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

SSTC
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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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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Frindsbury Hill, Rochester

SSTC
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.

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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

SSTC
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

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

GREENLEAF are delighted to introduce this beautifully presented two/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 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 two bedrooms, office/bedroom three, 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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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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Bells Lane, Hoo, Rochester

SSTC
4 Bed House - Townhouse -  Price Guide £325,000

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

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