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Understanding The Purchase Process

Have you ever considered how individuals and firms can make vast amount of money by buying and selling property? Hayes-Bower explain some of the basic steps and where your money can be gained or lost.

This conveyancing buyers guide was prepared by Scottish Expert Property Lawyers. ‘If you want to avoid stress and delay then this guide is for you’. Each stage is highlighted by practical tips and advice. The do’s & don’ts. Expert advice is always on hand at the end of the phone so if you have more questions or you are looking to gain specific advice we are only a quick call away

When Buying

Your checklist has both serious and lighter notes to it. It’s no secret that moving home can be a challenge, but remember that you’ll most likely only do this a few times in your lifetime. For many people a house is a home with many memories. It is important that on your moving day you try to take time to enjoy the moment and the excitement of such a big event. You’ll be busy, but … (More Info)

Arranging Your Mortgage – You should make sure that you have an idea as to what you can afford and that you have made preliminary enquiries as to any mortgage required. If you would like more information on this, simply contact us. You should also ensure that you have calculated the deposit required and that you have made appropriate allowances for this to be available when the time comes to buy. Hayes-Bower Benefit – We’re able to put you in touch with and independent financial adviser who can guide you through the mortgage minefield. Every adviser we recommend has extensive experience and is fully authorised by the Financial Conduct Authority. And we won’t charge you to arrange this! Thousands of pounds can be lost on arrangement fees and or tied services which look free on the surface. If you have any questions we can provide FREE advice. The referral market is rife with hidden kick backs so always be careful of any referral by your financial adviser or bank to use their surveyor, lawyers or agent.

Buyer Beware Warning – Buying a property is similar to buying a second hand car. It is for the purchaser and his/her solicitor to look, investigate and ask the questions to ensure that they are happy to buy. To further compound this, the sellers rarely provide warranties beyond the date of entry. The titles to the property will show the full extent of what you are buying (this may differ to what you were shown when you visited the property, so check. The searches provided will highlight what affects the property and what debts require to be cleared before you take ownership. Hayes-Bower Benefit – By using an expert property solicitor you can be assured that they are fully aware of what to look for and what to expect. Unfortunately if you don’t know what to examine and look for you may miss some important issues. Also remember that the seller or his agents do not need to openly disclose any problem or defect. It really is Buyer Beware !… see contracts and missives.

Written or verbal offers? Offers made in Scotland that are to be binding need to be in writing. If you agree verbally conditions or you rely on what agents, sellers say this will not be part of the deal (Contract) unless it is written and agreed in the contract. Verbal offers can be made, although this would usually be an informal agreement made between a seller and a prospective purchaser. Occasionally, a verbal intimation of a price may be used where the offer is speculative. For an offer to proceed to the stages of contract, it must however be in writing. Hayes-Bower – We’ll work to suit your needs, whether you have already agreed a price or whether you would prefer a formal written offer to be issued. Remember, we don’t charge for offers!

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