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Purchasing a property is one of the biggest decisions you will make and probably the most expensive decision. It is important to get it right and at MOVE ON SALES we want to help you.

Here are some tips on making the right decision.

1. Choose the right area

Do your due diligence.  If you are moving into the area for the first time it may be worth thinking about renting for six months and getting to know the area. Some of things to consider would be how close you are to schools, work and public transport.

2. Have a check list of what you are looking for

We tend to know what we don't want from our experiences. For example if you have previously had a small kitchen, you may decide you in your next property you definitely do not want to have this again. So, make a check list of what is very important to you and what you are willing to negotiate on. Do you need a garden, garage, off road parking, en-suite, number of bedrooms, study, downstairs WC etc.

3. Get a mortgage in principle

Mortgages are not as easy to get as their lending criteria is much more stricter than before, with different lenders having more or less conditions for you to pass. You could find your dream property only to lose it because you either can't get a mortgage or you end up going to several lenders before finding one who will accept you.

4. Putting in an offer

When your offer has been accepted, it is important to make sure you instruct a solicitor straight away, if you haven't got one, try finding one whilst you are looking actively looking at properties. Most solicitors will give fixed fees for their part plus searches etc. This will also help towards your final cost outlay.

5. Stamp Duty

In December 2014, new rules came in on how much stamp duty you will have to pay when purchasing a residential property.

£0 - £125,000 0%
£125,001 - £250,000 2%
£250,001 - £925,000 5%
£925,001 - £1.5m 10%
£1.5m plus 12%

For example, if you were purchasing a property for £350,000

0% on the first £125,000 = 0The Loca
2% on the next £125,000 = £2,500
5% on the final £100,000 = £5,000
Total stamp duty to pay = £7,500

Buy to Let

Move On Sales has a department that specialises in buy to let properties. It's award winning website 'landlordtolandlordsales', has not only been successfully selling tenanted properties from landlords to landlords since 2011, it has astonishing success rate of 97% of sales proceeding through to completion.

Get a free valuation on your home now!

Value My Home

Have a Question..?

Get in touch with a team member and learn more about our Property Sales Service.


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