At G & S Properties, we recognise the fact that the purchase of your home is the most important and expensive transaction you are likely to undergo.

Our database features hundreds of properties and we are sure that with our local knowledge and expertise, we will be able to find you a property to suit your needs, be it a straightforward move or a ‘Buy to Let’ investment.

To enable you to unravel the complexities of buying your home, we have set out below an overview of the various procedures involved:

REGISTRATION

The first requirement is for you to register your details and property specifications which can be achieved in a number of ways i.e. by email, fax, phone, in person or by completing our registration form. This will give us an insight into your personal requirements, thereby enabling us to modify the details sent to you.

Once registered, you are then in a position to receive details from us directly in person, via mail or email or download and print these out from our website.

VIEWING

Our friendly team are available to arrange those all-important viewings of your selected properties, with viewings available daily from 8 am till 8 pm. Please contact us to arrange a mutually convenient time.

There may be some current special arrangements due to Covid 19.

MORTGAGE

In order to speed up your house buying process, it is advisable wherever possible to get a mortgage agreed in principle before any final decision on your new property is made. This has the advantage of providing you with a clear indication of what is affordable and the fact that you have a mortgage agreed in principle is also attractive to sellers.

MAKING YOUR OFFER

Once you have located your ideal property, your offer will be submitted by your solicitor to us or the agents selling the property for the vendors consideration. This can be done both verbally and in writing.

NB: Please note that all offers are “subject to a concluded missive” and therefore neither party is legally bound until the missive is completed in writing by both buyer and seller solicitors.

ACCEPTED OFFER/INSTRUCTING SOLCITIORS

As soon as your offer has been accepted by the vendor or their agents, you should instruct a solicitor to act on your behalf. Your solicitor will handle all legal requirements of your purchase (property conveyancing).

At this point, you also need to formally proceed with your mortgage application and instruct your mortgage consultant/broker accordingly.

SEARCHES

These are conducted by the buyer's solicitor who submits a local authority search to the local council. Its purpose is to ascertain if there is any planning consented previously granted on the property or if there are any other local issues which may have an impact on the purchase. In some instances, the search may also include an Environmental and Drainage search.

MORTGAGE OFFER

The Lender is now in possession of the Mortgage Valuation survey and, subject to the findings of this report; receipt/approval of the mortgage application and provided all references and checks have been conducted satisfactorily, the Lender will send a formal mortgage offer to the buyer and their solicitor. The document is then signed and returned, and funds requested by the buyer's solicitor.