Trying to find the ideal property can sometimes be difficult.  Wilman and Wilman do all they can to make it as easy as possible.

HOW WE CAN HELP YOU

Looking at what is available
Whether your at home looking at our web site, or in our office, we will make full details of all properties available to you.

Keeping up-to-date
Check the website on a regular basis, so you don't miss out on new properties to the market, and/or call into the office.

Survey
Should you find your perfect property, you may want to have it checked by a professional. Wilman and Wilman can offer an R.I.C.S. Homebuyers Report which can make you aware of any problems you may face with your new property or simply offer you piece of mind.

A GENERAL GUIDE TO THE BUYING PROCESS

The following is intended as a guide only to some of the steps involved in the process of buying a property. Please feel free to contact Wilman and Wilman with any questions you may have, or if there are any areas of uncertainty.
 

1.     Set a budget for your purchase, and make enquiries with a number of lenders about mortgages.

2.     Decide what type of property you are looking for, and in which area.

3.     Go on a number of property viewings to see the range of properties your budget can offer.

4.     Having chosen a property you like and made the decision to purchase, make an offer through the Estate Agent.

6.     When the price is agreed subject to contract, make your mortgage application (if appropriate) and arrange for the property to be surveyed..

7.     Read your survey and valuation carefully and follow any advice given.

8.     The legal process starts once you have agreed to buy and the Estate Agent will inform both your solicitor and the sellers solicitor of the agreed terns and a draft contract will be prepared and sent to your solicitor who will make local searches and check the terms of the contract and the title to the property.

9.     Once the draft contracts is approved and pre-contract enquires completed and your mortgage offer received your solicitor will advise you that you are now ready to exchange contracts. On exchange of contracts you will be asked to pay a 10% deposit (non refundable) and you will then be legally committed to buy and the seller to sell.

10.    On the completion date your solicitor will complete the purchase pay over the balance of the purchase price and you will receive the keys for your new property.

11.    Payment of the solicitors fees, and any Stamp Duty is payable on completion. Please remember to make allowances for stamp duty, as it is an additional cost often overlooked.

A GUIDE TO STAMP DUTY

Stamp duty is a tax imposed by the government on the purchase of the property, and varies according to the value of the property.

 

PURCHASE PRICE	STAMP DUTY
Upto £175,000	No payment required
£175,001 to £250,000	1% of purchase price
£250,001 to £500,000	3% of purchase price
Over £500,000	4% of purchase price