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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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

The Tideway, Rochester

For Sale
2 Bed House - End Terrace -  Offers In The Region Of £280,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this well-presented end of terrace house to the market, on the sought-after Tideway, Rochester ME1. Boasting two good size double bedrooms, an upstairs bathroom W/C, a spacious kitchen and lounge/diner, this lovely family home further benefits from an attractive good size garden, NO CHAIN, double glazing, and gas central heating. The property has been well cared for by the current owners and offers the potential for the new owners to simply move in and enjoy.

The layout briefly consists of: Hallway with storage cupboard, giving access into the kitchen out to the garden, and lounge/diner with stairs to rear up to the first floor; The upstairs landing gives access two double bedrooms and the bathroom W/C.

Located 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.
Whether you are a first-time buyer or looking to add to your portfolio, this end of terrace property is sure to be of interest, we therefore recommend viewing at your earliest convenience to avoid disappointment.

EPC Grade D / Council Tax Band B / Freehold

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2 2 1

Osney Way, Gravesend

SSTC
2 Bed House - Semi-Detached -  Offers Over £325,000

GREENLEAF PROPERTY SERVICES are pleased to present this charming two bedroom house for sale, located on a no-through road, in the highly sought after village of Chalk. Boasting off road parking for two cars, a pleasant rear garden and a garage with rear access, this beautifully presented family home has been well cared for by the current owners and is simply ready to move into and enjoy.

The layout briefly comprises of a bright entrance hallway giving access to the spacious lounge/dining room with patio doors into the rear garden; The modern fitted kitchen with integrated fridge freezer, oven, hob, microwave, washing machine and slimline dishwasher leads out to the rear garden with a large patio and access to the garage. The first floor landing gives access to two double bedrooms and the family bathroom.

With the property further benefitting from gas central heating and double glazing, interest is sure to be strong in this ready-to-move-into family home, we therefore recommend viewing at your earliest convenience to avoid disappointment.

Chalk’s major claim to fame is its connection with Charles Dickens. Here he spent his honeymoon with his new bride, Catherine Hogarth; and it was here that he wrote the early installments of Pickwick Papers. He also used the old forge in the village as a model for Joe Gargery’s cottage in Great Expectations. This fantastic first-time buyer’s property is conveniently located for the town centre, highly regarded schools, and just a short distance to the A2/M2 road links and Cascades Leisure Centre.

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1 2 1 754sqft

Steven Close, Chatham

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

AVAILABLE WITH NO ONWARD CHAIN!

GREENLEAF PROPERTY SERVICES are delighted to introduce this well presented two bedroom / two bathroom modern mid-terrace house to the market, which would ideally suit a first-time buyer looking to get their foot on the housing ladder, or indeed a great addition to any investment portfolio.

The layout briefly consists of: Entrance hall, cloakroom W/C, fitted kitchen, and spacious lounge/dining room. To the first floor there are two good size bedrooms, an en-suite shower room, and a further en-suite bathroom W/C. Benefits include a good size rear garden, allocated parking, double glazing and gas central heating.

Conveniently located close to the town, bus stops and all shopping and leisure facilities, the station with fast trains to London, A2/M2/M20 road links, and well regarded 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.

EPC Grade C / Council Tax Band B / Freehold

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1 2 2

Corys Road, Rochester

SSTC
2 Bed Apartment - Purpose Built -  Price Guide £295,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this spacious and well-presented ground-floor apartment to the market, in a sought-after riverside development in Rochester ME1. Built in 2021, and available with a long lease and NO ONGOING CHAIN, this contemporary property boasts two double bedrooms, an impressive en-suite, family bathroom, sun terrace, and impressive open-plan kitchen/lounge/diner with integrated appliances. Further benefits include off road parking with electric charging points available, a secure videophone entry system, generous built-in wardrobes and storage space, and high quality fixtures and fittings throughout. NB: For investors looking to add to their portfolio, this stylish property currently has a tenant in residence.

The layout briefly consists of: Spacious hallway with access to a large storage/utility space with plumbing for washing machine, family bathroom, and inner hallway giving access to a built-in double wardrobe/storage, master bedroom and en suite, bedroom two, and then into the great size open-plan kitchen/lounge/diner with double doors out to the sun terrace from there. The allocated parking space is conveniently located to the rear of the building.

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 offers hi-speed services to London Bridge (40mins), Cannon Street (45mins), Victoria (45mins) and St Pancras (38 min). A local CO-OP store, Costa coffee and riverside walks 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. With excellent road A2/M2/M20 road links to Maidstone, Canterbury, London, and Bluewater shopping centre, Stansted, Gatwick and London City airports can all be reached within 60-90 minutes by car.

Service Charge-£1,800 p.a.
Ground Rent-£67 p.a.
Lease- 243 years approx

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1 2 2

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

For Sale
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

Gordon Road, Gillingham

SSTC
3 Bed House - Mid Terrace -  Offers In The Region Of £190,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this three bedroom house to the market, in a sought after residential location in Gillingham, Kent, and available with NO ONGOING CHAIN. Whilst in need modernising, this property boasts three bedrooms ( third of the second), 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: Hallway, lounge, separate dining room, kitchen and bathroom W/C. To the first floor there are three bedrooms ( third off the second).

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 Gillingham 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 3 1

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

Dillywood Lane, Higham

SSTC
5 Bed House - Detached -  Price Guide £950,000

GREENLEAF PROPERTY SERVICES are delighted to introduce this beautifully presented detached family residence to the market, in the sought-after semi-rural location of Higham, Rochester. Built in 1870, and set over three expansive floors in stunning grounds of approx 0.48 of an acre, this impressive family home boasts five double bedrooms, two en suites, walk-in wardrobe, family bathroom and WC/cloakroom, two offices with potential for use as further bedrooms, a stylish open-plan ” L-shaped” kitchen/diner, and a spacious separate lounge. Further benefits include generous off road parking for several vehicles with ample space for a double garage, whilst beautiful double-glazed sash windows and high ceilings throughout create a spacious and light feel to the house. A particular feature to the property is the large porcelain patio leading to beautifully established and extensive private gardens to the rear and side of the property, complete with outdoor dining area and sunken seated feature.

The layout briefly comprises of; Impressive storm porch into the hallway giving access to kitchen/diner, lounge, two offices/further bedrooms, WC/cloakroom, and stairs up to first floor; The first floor landing gives access to four double bedrooms, two en suites, walk-in wardrobe, and family bathroom; The second floor landing gives access to bedroom five.

Enviably located on a peaceful country lane yet just a short drive to all A2/M2/M20 road links and highly regarded local schools, nearby historic Rochester and Strood provide a wealth of restaurants, shopping and leisure amenities, and train stations offering 40 minute fast train services to London St Pancras. Bluewater Shopping Centre is approximately 15 minutes drive away providing a further extensive range of shopping, dining and leisure facilities.

Interest is sure to be strong in this rarely available opportunity, we therefore recommend viewing at your earliest convenience to avoid disappointment.

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4 5 3 2398sqft