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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Star Mill Lane, Chatham

SSTC
3 Bed House - Mid Terrace -  Price Guide £250,000

BUY-TO-LET INVESTMENT PURCHASE WITH TENANT IN RESIDENCE

GREENLEAF are delighted to introduce this spacious three bedroom bay-fronted terraced house to the market, with long-term tenant in residence, in a sought-after location within Chatham, a short walk to town and all amenities. Boasting impressive-sized accommodation throughout including an entrance porch, two good size reception rooms, spacious conservatory and downstairs WC, upstairs there are three generous sized bedrooms, whilst to the rear there is a large paved garden, with potential for off road parking to the front, (subject to permissions). The layout briefly consists of: Useful entrance porch into hallway, access to lounge, dining room, kitchen, WC, and conservatory out to garden; Upstairs, the spacious landing gives access to three double bedrooms and family bathroom. Located a walk to all local shops and amenities, the Medway Hospital and schools for all age groups are close by, whilst the station with fast trains to London and all A2/M2/M20 road links to London and coast are a short drive away. We recommend viewing at your earliest convenience to avoid disappointment. All photos taken prior to tenant occupancy in 2018.

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

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Maidstone Road, Chatham

SSTC
4 Bed House - Detached -  Price Guide £750,000

Geenleaf proudly present this substantial four bedroom detached house complete with large outbuilding, in a sought-after location on the Chatham/Rochester borders, available with NO ONGOING CHAIN. This imposing versatile family home, set back from the road with garage and off road parking for several cars, offers space and flexibility for all the family whilst also providing potential for offices, gym and leisure use. The main house boasts spacious rooms throughout including four double bedrooms all with fitted wardrobes, two en suites with potential for three, family bathroom and shower room, a stunning kitchen/breakfast room with island, further dining room, lounge, office and family room, and is ready to move into and enjoy. The outbuilding is currently used as a games room, however the potential is there for use as offices, gym, or indeed further accommodation, subject to the new owners wishes. There is also a shower/ wet room with own sauna.
Located close to A2/M2/M20 road links and stations with fast trains to London and coast, quality local schools are nearby, as is the historic Rochester High Street with its range of boutiques, cafes, restaurants, bars, cathedral and castle. 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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Victoria Street, Rochester

SSTC
2 Bed Apartment - Above Shop -  Price Guide £175,000

GREENLEAF are delighted to introduce this newly refurbished two bedroom apartment to the market, in sought-after Rochester ME1. Located on the first floor, and available with NO ONGOING CHAIN, this well presented property has been refurbished to an impressive modern standard with tasteful decor throughout, and boasts laminate flooring, oak doors, integrated appliances to the kitchen, good size rooms and is ready to move into and enjoy with immediate vacant possession. The layout briefly consists of: First floor front door opens into an entrance hallway leading into the main hallway, giving access to the lounge, kitchen, bathroom, storage cupboard, and two double bedrooms. Located a short walk to the historic High Street and station with fast trains to London, there is also a fine selection of boutiques, bars, cafes and restaurants, riverside walks and leisure facilities, whilst A2/M2/M20 road links and quality local schools are all nearby. 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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Davy Court, Rochester

SSTC
4 Bed House - End Terrace -  Price Guide £440,000

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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Goodwin Close, London Se16

For Sale
1 Bed Flat -  Offers In The Region Of £325,000

**BTL INVESTORS ONLY**BEING SOLD WITH TENANT IN SITU PAYING £1075PCM (LEASE RENEWED TO 158 YEARS)**Greenleaf are delighted to offer to the market this purpose built ground floor One bedroom flat situated in a pleasant development and conveniently placed for transport links. Accommodation comprises of entrance hallway, double bedroom, shower room and open plan kitchen/living room. Benefits include double glazing, electric heating and allocated parking space.

Section 21 of Estate Agency Act; We declare Greenleaf has a personal interest in the sale of a 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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Weald Close, London Se16

SSTC
2 Bed Flat -  Offers In The Region Of £335,000

**INVESTMENT PURCHASE ONLY**Greenleaf Property Services are delighted to offer for sale this two bedroom purpose built flat located in the popular South Bermondsey area of London. The property situated on the 3rd floor, comprises hallway, reception room, two double bedrooms, separate kitchen and bathroom. Also benefits from allocated parking. Ideal first time or investment buy. Please note the property is currently tenanted and achieving £1250pcm. The property will be sold with the tenant in occupation.

Close to Southwark Park and Old Kent road. South Bermondsey station is close offering direct links to London Bridge, and Bermondsey Underground station is within walking distance. Bermondsey is situated on the south bank of the River Thames and is one of the capital’s most up and coming areas. The area is on the Jubilee line making Canary Wharf and West London easily accessible. The area has a weekly antiques market on a Friday and is a short walk to Shad Thames & Bermondsey Street which are home to an array of bars and restaurants.

The current owner is in the process of renewing the lease for another 158 years, currently the lease has 68 years left. Service charge and ground rent currently £92.40.
Section 21 of Estate Agency Act; We declare Greenleaf has a personal interest in the sale of a 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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St. Andrews Walk, Allhallows, Rochester

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

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

We endeavour to make our sales particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract. Any services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability given. All measurements have been taken as a guide to prospective buyers only, and are not precise. If you require clarification or further information on any points, please contact us.

More Details

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