Our step-by-step guide to buying
Where are you on your property journey?
In the know, or in the dark? Take a look to see where you are on your property journey and find out the next steps.
Getting your finances in order
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 is £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.
Instructing a solicitor
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.
Making an offer
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.
We know you want to get moving quickly, which is why we advise our clients on the importance of getting “Legally Prepared”.
So often in a property transaction, the hard work begins once you find a buyer or a property to buy. Andrews Homemover gives you a head start by instructing a solicitor earlier in the moving process, so time can be saved once you agree your sale or purchase. Having all the necessary legal documents in place before you agree a sale or make an offer removes many of the unwanted delays involved when waiting to instruct a solicitor once your sale or purchase is secured.
Service benefits at a glance
- Fixed Legal Fee - Helps you budget as you will know exactly what you are paying
- No move, No Legal Fee - You are protected financially should something go wrong
- Dedicated team ready to help - Allows your file to be prioritized due to dedicated “Andrews” case handlers at our panel of solicitors
- Legally Prepared - Putting you in the best position by carrying out all the legal work earlier in the moving process in order to save time once you find a buyer or property to purchase
- Advice provided in Plain English - Helping you through the process without confusing jargon
To understand the benefits of the Andrews Homemover service further and to gain a breakdown of the cost involved, please call the Andrews Property Centre on 0845 9011343.
Survey and mortgage offer
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 Gateway Surveyors.
Exchange of contracts
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.