Buyers Guide Register With Wigginton Roberts Our experienced negotiators need as much information as possible about the type of property you are looking for and are experts in helping you find your ideal home. Either call us on (01423) 568866, email harrogate@wiggintonroberts.co.uk or register online alternatively visit our office in person where you will be greeted by a friendly sales negotiator who will assist you. The search begins With a clear understanding of your requirements we will access all properties that match your criteria. Property descriptions can be viewed from this website. Having registered with us, SMS Property Alerts can instantly transmit the latest property information directly to your phone, whilst simultaneously emailing a full colour brochure via email or post. Mortgage It is advisable to get a mortgage agreed in principle as early as possible, as this will speed up your application. Viewings We're open at times to suit you - 8.30am to 5.30pm weekdays and 9.00am to 4.00pm Saturdays/11.00am - 4.00pm Sundays; convenient for viewing after work and at weekends. In order to secure a property, we recommend an early viewing. Making an offer Once you've found a suitable property, we'll forward your offer directly to the seller, both verbally and in writing. Any offer is subject to a contract being signed. There are no legal obligations on either side until the contract is exchanged. Legal A solicitor will be required to handle the legal paperwork involved (conveyance). It is preferable to use a solicitor who knows the area that you're moving to and specialises in conveyancing. Sale agreed Once your offer is accepted, you will need to instruct your solicitor to proceed immediately. This is also the time to instruct your mortgage broker to proceed with your mortgage application and make arrangements for a survey. Draft contract This is drawn up by the seller's solicitor and sent to your solicitor, who will raise some preliminary enquiries. Local authority search Your solicitor will submit a local authority search to the local council. This will reveal, for example, planning consents granted for the property and any local issues. Survey A survey is carried out on the property by a surveyor on behalf of the mortgage lender to identify any problems and advise on the property's value. Contract approval Once results of the local search and answers to the preliminary enquiries are received, the draft contract is approved by your solicitor providing there are no further enquiries. Formal mortgage offer This document will be sent to your solicitor for you to sign. Once signed and returned your mortgage is in place and you are ready to exchange contracts. Exchange of contracts and completion The contract is signed by you and the seller. The deposit transferred or paid by the buyer's solicitor in the form of a banker's draft. The completion date is set. This is generally set a few days to a few weeks after exchange of contracts, depending on each parties' personal requirements. Residual monies are transferred from your solicitor to the sellers solicitors account. Congratulations, you are now the legal owner of your new home!   Register with us Buyers guide Rent a property FIRST TIME BUYERS Purchasing your first property?. We can assist you onto the first step of the property ladder, with useful recommendations and practical help. BUY TO LET Purchasing a property to let not only provides an income but also a real opportunity for medium to long term capital growth. Contact us for further advice. NOTE: There is no guarantee that it will be possible to arrange continuous letting of the property, nor that the rental income will be sufficient to meet the cost of the mortgage.