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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Borstal Road, Rochester

SSTC
5 Bed House -  Offers In The Region Of £775,000

GREENLEAF Property Services are delighted to present this characterful and well presented period semi-detached house to the market, set over four spacious floors, and located on one of Rochester’s most sought-after roads. This imposing and substantial bay-fronted family home retains many original features throughout, and boasts five double bedrooms, and ample off road parking. Further benefits include a good size decked patio area to the rear along with an established rear garden, separate lounge and dining room, useful utility space, shower-room/ W/C and upstairs bathroom. Whilst the property has been well cared for by the previous owners and is ready to move into and enjoy, the opportunity is there to update and modernise to your own specification, with potential to further extend also, subject to usual permissions and new owners wishes.

The layout briefly comprises of: Ground floor comprising of entrance hall, lounge, and separate dining room; The the lower ground floor gives access to a fitted kitchen/breakfast room, utility room with storage area, bedroom and cloakroom W/C; To the first floor there are two double bedrooms, a family bathroom/shower room and separate W/C, whilst to the 3rd floor there are two further good size double bedrooms, along with a shower room W/C.

This beautiful family home is located a short walk to highly regarded schools for all age groups including the renowned Kings and St Andrews private schools, the station with 35 minute fast trains to London St Pancreas, and the historic High Street offering a wealth of cafes, bars, restaurants and boutiques, the famous cathedral, Norman castle and beautiful river walks. All A2/M2/M20 road links to London and coast are a short drive away. Properties of this calibre, potential and location are rarely available, we recommend viewing at your earliest convenience to avoid disappointment. EPC Grade awaited. Council tax Band E.

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3 5 3

Common Creek Wharf, Rochester

SSTC
4 Bed House - Townhouse -  Price Guide £590,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this beautifully presented semi-detached townhouse to the market, on a sought-after waterside development in Rochester ME1. This substantial family home is set over three spacious and light floors, and boasts an integral tandem (double) garage with potential for further bedroom/office to rear, utility room, impressive integrated kitchen/lounge/diner, four double bedrooms with a master en-suite, and direct river views over the river Medway and beyond. This imposing property was built in 2021 (with the remaining NHBC guarantee) and features high quality fixtures and fittings throughout. Further benefits include stylish Juliette balconies to front and rear, downstairs WC/cloakroom, utility room, ample storage and built-in wardrobes, off street parking, and a spacious west-facing, low maintenance patio and garden.

Brief layout: Good size hallway with ample storage, WC/cloakroom, utility room, and access to the tandem double garage; the first floor landing gives access to bedroom four and the open-plan kitchen/dining area/lounge, and second floor giving access to the master bedroom and en suite, family bathroom, and bedrooms two and three.

Located within a 5 minute walk of the historic Rochester High Street with its range of cafes, restaurants boutiques, cathedral and castle, the mainline station is even closer and offers hi-speed services to London Bridge (40mins), Cannon Street (45mins), Victoria (45mins) and St Pancras (38 min) where you can catch the Eurostar. A local CO-OP store, Costa coffee and riverside walks and playgrounds are on your doorstep, and there are a range of schools, private and state, with the new Rochester Riverside primary school and Kings School all within walking distance. There are also excellent road links via the A2, M2, M20 and M25 to Maidstone, Canterbury, London, and Bluewater shopping centre. Stansted, Gatwick and London City airports can all be reached within 60-90 minutes by car

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1 4 2 1529sqft

Longhill Avenue, Chatham

SSTC
3 Bed House -  Offers Over £250,000

Available with NO ONGOING CHAIN, Greenleaf Property Services are delighted to offer to the market this spacious semi-detached property to the market, situated in a lovely quiet, sought-after location in Chatham.

Accommodation briefly comprises of: Hallway giving access to the spacious lounge/dining room and fitted kitchen; To the first floor there are three good size bedrooms and a family bathroom W/C. Further benefits include a tiered garden with decked patio area, gas central heating, and double glazing.

Located close to local amenities and the town centre offering a range of dining, leisure and shopping facilities, the bus and train stations are nearby with fast services to London, as are all A2/M2/M20 road links. The nearby historic Dockyard offers a further extensive range of dining, leisure and shopping facilities, whilst local schools and parks are nearby.
Properties of this quality in this location are rarely available, we therefore recommend viewing at your earliest convenience to avoid disappointment.

EPC Grade C.
Council Tax Band D.
Freehold.

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2 3 1

Kings Road, Chatham

SSTC
2 Bed House - End Terrace -  Offers In The Region Of £160,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this two bedroom end of terrace house to the market, in a sought after residential location in Chatham, Kent, available with NO ONGOING CHAIN. Whilst in need update and modernisation, this property boasts two double bedrooms, two reception rooms and a good size rear garden, and would ideally suit an investor looking to add to their portfolio.

The layout briefly comprises of: Lounge, separate dining room, kitchen and bathroom W/C. To the first floor there are two double bedrooms.

Located close to local shops and amenities, open green spaces and parks, schools for all age groups are also nearby. The Medway hospital and station with fast trains to London are a short distance away, as is Chatham town centre with its vast array of shopping, dining and leisure facilities, whilst all A2/M2/M20 road links are a short drive away.

Council Tax Band B. EPC Grade D.

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2 2 1

St. Lukes Way, Allhallows, Rochester

SSTC
3 Bed House - Mid Terrace -  Offers In The Region Of £270,000

GREENLEAF are delighted to introduce this beautifully presented three 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 a garage en bloc, this attractive family home is peacefully located on St Lukes Way, 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, a great size lounge/dining room, with patio doors to garden; Upstairs the landing gives access to three good size bedrooms with an en-suite W/C to the master, and bathroom/shower room W/C. To the rear there is access to the garage and off road parking.

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.

Council tax band B/ EPC Grade C / Freehold

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1 3 1 894sqft

Warden Road, Eastchurch, Sheerness

SSTC
4 Bed House -  Offers In The Region Of £400,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this brand new semi-detached CHAIN-FREE house to the market, in a sought-after residential location of East Church, Sheppy. Boasting four good size bedrooms, an impressive kitchen/breakfast room and spacious separate lounge/dining room, downstairs shower room W/C, and good upstairs bathroom W/C, this lovely family home further benefits from underfloor heating, an economic and environmentally friendly heat-source pump, off road parking for several vehicles, a new building warranty, and a lovely patio and lawn garden to the rear. Set on a good size plot in a lovely quiet and peaceful location, this spacious and light property offers the fantastic opportunity of simply moving in, unpacking and enjoying.

The layout briefly consists of: Front door into entrance porch with space for shoes and coats, entrance hall with stairs up to first floor with storage underneath, and door into shower room/WC; From here, it’s into the spacious lounge/dining with doorway into the kitchen/breakfast room to rear and out to garden; The upstairs landing gives access to four good size bedrooms and family bathroom W/C.

The property is ideally located for access to schools for children of all ages, a hospital, local shops and amenities, whilst a wider variety of shopping facilities can be found in Sheerness approximately 3 miles away. Interest is sure to be strong in this new-build detached home, we therefore recommend viewing at your earliest convenience to avoid disappointment.

SAP Rating B/Council Tax TBC

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2 4 2

Warden Road, Eastchurch, Sheerness

SSTC
4 Bed House -  Offers In The Region Of £385,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this brand new semi-detached CHAIN-FREE house to the market, in a sought-after residential location of East Church, Sheppey. Boasting four good size bedrooms, an impressive kitchen/breakfast room and spacious separate lounge/dining room, downstairs shower room W/C, and good upstairs bathroom W/C, this lovely family home further benefits from underfloor heating, an economic and environmentally friendly heat-source pump, off road parking for several vehicles, a new building warranty, and a lovely patio and lawn garden to the rear. Set on a good size plot in a lovely quiet and peaceful location, this spacious and light property offers the fantastic opportunity of simply moving in, unpacking and enjoying.

The layout briefly consists of: Front door into entrance porch with space for shoes and coats, entrance hall with stairs up to first floor with storage underneath, and door into shower room/WC; From here, it’s into the spacious lounge/dining with doorway into the kitchen/breakfast room to rear and out to garden; The upstairs landing gives access to four good size bedrooms and family bathroom W/C.

The property is ideally located for access to schools for children of all ages, a hospital, local shops and amenities, whilst a wider variety of shopping facilities can be found in Sheerness approximately 3 miles away. Interest is sure to be strong in this new-build detached home, we therefore recommend viewing at your earliest convenience to avoid disappointment.

SAP Rating B/Council Tax TBC

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2 4 2

City Way, Rochester

SSTC
5 Bed House - Semi-Detached -  Price Guide £625,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this imposing and beautifully presented architect-designed semi-detached Victorian house to the market, on sought-after City Way, Rochester. Boasting five bedrooms, two shower rooms, a stunning integrated kitchen/diner, separate reception room and lounge, this substantially extended family home is set over four spacious floors, and is available potentially with NO ONWARD CHAIN! Further benefits include a good size basement/utility area, integral garage and ample off road parking, a large landing with office space, good size lawn garden, a Juliette balcony to the master bedroom, and far reaching views to the front and rear of this exceptional property. Interest is sure to be strong in this spacious and versatile home within a walk of all amenities, we therefore recommend viewing at your earliest convenience to avoid disappointment.

The layout briefly consists of: Hallway giving access to WC/cloakroom and storage cupboard, reception room open-plan to lounge, large kitchen/diner with stairs down to the basement, and up to the spacious first floor landing with ample office space; From here there is access to the master bedroom, bedrooms four, inner landing to bedroom five and shower room, and stairs up to the second floor, boasting two further double bedrooms with shower room in between.

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

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2 5 2

Castle Avenue, Rochester

SSTC
3 Bed House - Mid Terrace -  Offers In The Region Of £250,000

Ideally suited to a first time buyer looking to get their foot on the housing ladder or equally as an investment opportunity, Greenleaf Property Services are pleased to offer for sale this good size terraced house, situated in a convenient and central ME1 location and available with NO CHAIN!

The accommodation comprises of entrance porch, lounge, separate dining area, kitchen and bathroom W/C. To the first floor there are three separate bedrooms. Benefits include double glazing, gas central heating and an enclosed low-maintenance rear garden.

Located within a walk of all local amenities, the nearby historic High Street offers an extensive range of restaurants, cafes, bars and boutiques, as well as the added attractions of the famous cathedral, Norman castle, Medway River walks, and bi-annual Dickens festivals. Nearby Rochester station provides 40 minute fast trains to London, and all A2/M2/M20 road links are a short drive away, as are the highly regarded local schools for all age groups. We recommend viewing at your earliest convenience to avoid disappointment.

EPC Grade D/Council Tax Band B.

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2 3 1

Burma Way, Chatham

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

GREENLEAF PROPERTY SERVICES are delighted to introduce this spacious and well presented three bedroom semi-detached house to the market, in popular Walderslade Chatham. Available with NO ONWARD CHAIN, and boasting three good size bedrooms, an open-plan kitchen/diner, separate lounge, three good size bedrooms and an impressive patio and large south-facing garden, this lovely family home is ready to move into and enjoy. With lapsed planning permission for a double storey extension, and the additional bonus of a substantial brick-built outbuilding to the side of the property currently set out as a former WC, and two large storage areas with power and light, the potential is also there to perhaps further expand and create an office/gym subject to the new owners wishes.

The layout briefly consists of: Entrance porch into the hallway with stairs up to the first floor, access to lounge, kitchen/diner out to the lobby with outbuilding/WC and garden access, gate to front of house also; The upstairs landing gives access to three bedrooms and the family bathroom.

Located close to highly regarded local schools and all A2/M2/M20 road links, nearby Walderslade Village offers a comprehensive range of shops, takeaways and amenities, as well as a doctors surgery and post office. Woodland Walks are on your doorstep, whilst Rochester and Chatham stations with fast trains to London are a short drive away. Interest is sure to be strong in this three bedroom family home bursting with potential, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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2 3 1 894sqft

Esplanade, Rochester

For Sale
2 Bed Flat - Purpose Built -  Offers In The Region Of £325,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this stunning and rarely available two bedroom apartment, located in a highly sought-after gated and landscaped development on the Esplanade, Rochester ME1. Boasting a fantastic balcony with partial river views, off-road parking for two vehicles, and spacious and light accommodation throughout, this impressive apartment is ready to move into and enjoy.

The layout briefly comprises of: an expansive lounge/dining room, a fitted modern kitchen with integrated appliances, a spacious master bedroom with balcony access, an elegantly designed bathroom, and a good size second bedroom.

Conveniently located opposite the River Medway with beautiful views, picturesque sunsets, and walks to enjoy, Churchfields open green space is a short walk away, as is the Dickensian High Street with its range of bars, boutiques, cafés, restaurants, biannual Dickens festival, famous cathedral and Norman castle. Highly regarded schools for all age groups are also nearby including Kings and St Andrew’s private schools, with grammar school options a short drive away. The station with fast trains to London St Pancras is within walking distance, whilst all A2/M2/M20 road links are a short drive away.

Properties of this quality and location really are few and far between, we therefore recommend viewing at your earliest convenience to avoid disappointment.

Lease 964/ Share of Freehold

Service Charge- £2,820 p.a.

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1 2 1

Binnacle Road, Rochester

SSTC
3 Bed House - Mid Terrace -  Price Guide £340,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this beautifully presented three bedroom house to the market, in a sought-after residential Rochester location, close to highly regarded local schools. Boasting a useful large entrance porch, a good size kitchen/breakfast room, separate lounge/diner, off road parking, and a truly impressive rear garden complete with a summerhouse currently used as a salon, this stylish family home offers space and versatility in equal measure. Further benefits include recent new windows and doors throughout, and a bonus loft room with potential to create further accommodation subject to the new owners wishes, and usual permissions.

The layout briefly consists of: Entrance porch into kitchen/breakfast room, with stairs ahead up to first floor, doorways to front and rear of room into lounge/diner, doorway out to garden; The upstairs landing gives access to three bedrooms, bathroom and separate WC.

Located on a quiet residential road yet within walking distance of Rochester’s sought-after grammar schools, further schools for all age groups are a short distance away. All A2/M2/M20 road links and bus stops are nearby, as is the historic High Street with its range of cafes, restaurants, bars, boutiques, and famous cathedral and Norman castle. Rochester and Chatham stations offer a fast service into London St Pancras, whilst all local shops and amenities are within walking distance also.
Interest is sure to be strong in this spacious family home, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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1 3 1 851sqft