First things first - obtain proper legal advice. You should have a basic grasp of the steps and procedures which lie ahead and be aware not only of the up front costs but also the ongoing financial commitments which you will undertake when you complete your purchase. At as early a stage as possible we recommend that you arrange your mortgage.
At andersonbain & co we have a free first interview policy and would welcome the opportunity of meeting with you to provide helpful and practical advice on all of these aspects.
Looking for a property in Aberdeen?
A good place to start your search is our 'Properties for Sale' page.
We are members of Aberdeen Solicitors Property Centre. Their office is in Chapel Street, where schedules for all properties being marketed by solicitors in Aberdeen City and surrounding areas are displayed. The Property Centre is an extremely impressive marketing medium for property sales, their weekly Property Register is widely available and their website is a "state of the art" facility. Press advertising is also popular although many sellers will avoid or restrict their use of this medium since regular advertising can prove quite costly. We would recommend you to view as many properties as possible before electing to pursue your interest in one specific property. Current legislation dictates that buyers have access to a Home Report for every property on the market (with some minor exceptions). This contains a full survey report on the condition of the property including its current valuation, an Energy Performance Certificate and a Property Questionnaire which provides practical information on the property. You should be able to gain access to each Home Report through Aberdeen Solicitors Property Centre. If however you have any difficulty in accessing this information we as your Solicitor will be able to obtain that for you..
The First Steps to Buying your Property?
Having narrowed your search down to one or a small number of properties after viewing, then your next step should be to contact your solicitor who will "note an interest" with the selling agent on your behalf. Even if you are only tentatively interested in a property you should ask your solicitor to do this. This involves no cost or commitment but simply lets the seller know that you are actively interested and by doing this you will be kept advised of any developments in connection with the sale. Your solicitor will approach the seller's agents to find out what he can about the property i.e. how long it has been on the market, whether or not there are any other noted interests and generally find out any other relevant information before reporting to you. From this point your solicitor would guide you throughout each step with a view to tying up a formal binding contract setting out terms on which you have agreed to purchase your new property.
If we are dealing with the arrangement of your mortgage then we assume the onus of ensuring that the mortgage papers are issued timeously to ensure that the funds are available. If you are making your own arrangements then you should ensure that your mortgage broker / advisor is fully aware of the date of entry as we will require to have your mortgage lender's papers issued preferably by no later than one week before your date of entry.
Conveyancing Lawyers Aberdeen, Edinburgh
If you’re thinking of buying or selling your home, we can help. We are a focused practice with decades of conveyancing experience. For expert conveyancing advice in Edinburgh, Aberdeen or the surrounding areas, please call Anderson Bain on 01224 456 789 or click here.
I’d like to thank you for all your help and advice – professional and friendly as ever! - S Craig