House Purchase cont.

Solicitors & Conveyancers

You will always need a Solicitor or Conveyancer to deal with the legal work involved in buying and selling a property.

You may have a family Solicitor or Conveyancer who has helped you in the past, but if you want to shop around for a potentially cheaper alternative, or you have no recommended option, why not ask us?

We have a section on Conveyancing that gives you further information about the process (see main menu), but we recognise the need to have a quality service with sensible prices, to make sure you don't spend a fortune at a time when every pound will count.

We have teamed up with a number of Solicitors & Conveyancers from around the UK who throught the use of technology can deliver an exceptional service by email, on-line, telephone and post. With prices starting from just £285 + VAT plus disbursements, and a built in 'Fee Protection', it is certainly worth discussing our options.

Valuations and Surveys

Depending on the age and condition of the property, we would normally suggest getting more than just the lenders' basic valuation report to ensure the property is okay to buy.

A Basic Valuation report is likely to be very brief, asking for few comments from the surveyor and is simply to ensure that the property is worth the price being paid, and that it is in adequate condition.

RICS (Royal Institute of Chartered Surveyors) define two further reports that you may want to consider - 'Homebuyers Report' and 'Full Structual Survey'. Each report is for your benefit and not the lender, and will be more detailed than the bank valuation report.

Click here to see the RICS Factsheet on Property Surveys for more details.

We have a number of options available to help you get such a report - the lender will let you use their surveyor to get a Homebuyers or Full Structual Survey for an additional cost. We can also help instruct independent surveyors should you require - please ask for a quotation.

Insurance

The only other consideration before you physically move home is Insurance - Whether Buildings or on yourself. Every lender will require buildings insurance on your property if it is a freehold property (typically not flats or appartments). You should protect your contents at the same time, and then consider what would happen if you lost your job, becoame sick or something even worse. At Easyswitch Mortgages we have a very wide choice of competitive options, all backed by our advice, and very easy to arrange. Please give us a call once you have your Mortgage Offer and we cna look at all the options available to you