To avoid disappointment further down the line, make sure you have your finances in place before you start the process. If you have money in savings or shares, make sure you can access them easily and that there aren’t any fixed timelines to withdrawal. If you need a mortgage, speak to one of our in-house mortgage advisors, who have access to the entire mortgage market, plus many exclusive offers not available on the High Street.
We do not charge for our advice. Instead, we simply charge a fee for processing your mortgage application. Our typical fee in £450, however the acutual fee will depend on your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You can register with us directly online through myandrews or by phoning or visiting one of our 48 branches. We update our website daily and have around 3000 properties to view at any one time. If you are on our online mailing list, we will be able to alert you of any new properties via email. If you are interested in viewing a property, act fast and contact us straightaway. In selected branches, you can make a provisional viewing appointment online directly into our diary.
Make sure you instruct a solicitor as early in the process as possible. This way once a sale is agreed, you will be in a position to get things moving quickly. Our conveyancing service is a no move, no fee offer. Which means, if things don't work out, you don't have to pay. Terms and conditions apply. Obtain an instant quote.
In selected branches you can make an offer through your myandrews account. You can also review all offers and viewings you have made.
We will ask you to confirm how you intend to fund the purchase of your property and availability of the deposit (usually 10% of purchase price). If you need a mortgage, we will also ask you to speak with our mortgage advisor to confirm that they are able to obtain a mortgage if necessary. If you already have a mortgage arranged, we will ask you to provide an agreement in principle (AIP) document.
Once an offer has been accepted, we will contact your solicitor, the seller and the seller's solicitor and confirm the details of the sale.
Offers are not legally binding until contracts have been exchanged. From now until exchange, you will need to be in close communication with your solicitor. We will also provide you with a guide to conveyancing to help you through this process.
If you have not instructed a solicitor to act on your behalf you must do so now. Our conveyancing service is a no move, no fee offer. Obtain an instant quote.
If you are obtaining a mortgage, a survey of the property will be booked by a surveyor on behalf of the mortgage lender. This is to protect their interests and not yours. Once they have received the survey report and are satisfied they will issue a mortgage offer to your solicitor.
If you would like a survey of the property for your own interests, we recommend Landmark Surveyors.
Exchanging contracts is the moment when the sale becomes legally binding on both sides. You can only exchange once you have paid a cleared deposit (usually 10% of the purchase price) to your solicitors account. Your solicitor will inform you when contracts have been exchanged and then will inform us. The completion date is then set by mutual agreement and is contractually binding.
Completion is the moment when your property purchase is finalised. When you have transferred the remaining purchase price to your solicitor by the agreed completion date.
Your solicitor will contact you and us when the money has cleared in their account and we will then release keys to you.
This is just a snapshot. If you would like more detail on the process and what you need to do and how Andrews can help, please get in touch with us.
“Garry was friendly & professional. As first time buyers we didn’t have a clue! He made us feel comfortable & in control throughout the entire process. Andrews are lucky to have him!” Customer feedback, July 2014
We can help answer your questions like “How much can I borrow?” and “How much deposit do I need to save up?” Then we can arrange your mortgage and complete all the paperwork for you too! Speak to us today and make that first move onto the property ladder.
Arrange a Call BackWe do not charge for our advice. Instead, we simply charge a fee for processing your mortgage application. Our typical fee is £450, however the actual fee will depend on your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
