We deal with properties in all price ranges and are sure we can help you to find your dream home. Our expert team of advisers are on hand to talk you through all of your mortgage and protection needs so that you can be confident of making the right decisions and choices for your future.
AFFORDABILITY AND ARRANGING A MORTGAGE
Once you have decided to buy a property, you will need to know exactly how much can you afford? Having your finances in place and having a mortgage agreed in principle (if required) before you start looking at properties is an important first step in buying a property.
On top of the cost of the house itself, there are many other, one-off expenses involved in buying a home and moving e.g. Stamp Duty, Survey fees, Solicitors Fees, Removal Fees, any final bills e.g. gas, electricity, from your present home when you move out, etc.
FIND YOUR NEW HOME
Looking for a new home can be a time-consuming process. It is worth taking the time to sit down and think about what you want from your new home.
At Maneely & Co. we will put together a selection of properties that match your requirements. We will keep in touch via email alerts when new properties, matching your criteria, come on the market.
MAKE AN OFFER
Once you have found the property that is right for you, the next step is to make an offer. At this point you should make it clear if your offer is to include anything and specify it clearly. Maneely & Co. will put this offer forward to the vendor on your behalf.
You may be asked to provide proof that you have the finances in place or a mortgage agreed in principle. Once you make an offer make it clear that it's subject to contract and a satisfactory survey.
INSTRUCT A SOLICITOR
You will need a solicitor to act on your behalf when purchasing a property. Maneely & Co will be happy to recommend a choice of local solicitors or you may already have a solicitor that you have worked with previously or has been recommended to you.
Conveyancing refers to all the legal and administrative work associated with the process of transferring the title ownership of property from one person to another.
Your solicitor will act on your behalf with the assistance of Maneely & Co and you will be kept well informed throughout. This part of the process is crucial.
LIFE ASSURANCE AND HOME INSURANCE
When you buy a new home, it is important to think about insurance and any other affairs connected to the purchase of your home, especially if you are a first-time buyer.
Most mortgage lenders insist that borrowers take out home insurance to protect your property especially in a situation where you are unable to continue to pay off mortgage loans.You should also consider making a will once you're a homeowner especially if you have dependents.
LET EVERYONE KNOW YOU'RE MOVING
Set up your post to be redirected a few weeks before you move with the Royal Mail - a good precaution against identity theft.
Once you and your solicitor are satisfied that everything is in order, the contracts can be exchanged. You sign a copy of the contract which is passed to the vendor, and the vendor signs a copy of the same contract which you receive.
Once contracts have been exchanged both parties are legally bound to follow through with the transaction.
On the day of completion your solicitor will send purchase money to the vendors solicitor for the purchase price of the property.
Once the money from your mortgage lender is received by your solicitor they will give the vendors solicitor authority to authorise release of the keys to the property.
Please bear in mind that the owners will need time to move out of the home so we would normally request that the keys be with the branch around 2pm.