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How do you prepare to view houses before you decide to make an offer?

Housing market is still very active and there are many customers who, despite the very unprecedented times, decide to move house or buy their first home.


Some of us may have realised during lockdown that they need more space, so they want to buy a bigger house. Others, who have enough deposit saved up, may have decided to take the first step now as it is hard to predict what market will be like in the coming months.


What questions should you ask the sellers or estate agents that will be important for your mortgage and purchase process?


Here’s a list of a few questions you might ask: - Why is the house for sale and have its owners (vendors) already moved out or are they also in the process of buying (in a chain)? - Are the sellers ready to negotiate on price? – lucky if you are doing a viewing with the owners so you can ask them direct - How old is the property? - Is it a freehold or a leasehold property? - If it is a leasehold, how long lease is left in years? - Is this property of standard construction? If non-standard – what type is it? - How long has this house been for sale now?


Above are just a few questions which may be crucial in the buying process.

Remember, the best thing you could do, is to speak to an independent mortgage broker who will also make sure you are mortgage assessed and so when you are asked questions about your capacity for mortgage, you will also have all your answers and documents ready.

If you have any questions, contact us for a free initial chat.



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GRN Financial Services

Mortgage broker

15 Bath Street,

Leek

ST163JQ 

REMEMBER! YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

GRN Financial Services Limited act as a credit broker not a lender.

OUR FEES and charges vary depending on the services we provide to you. We typically charge a fee of £350 payable on application.
Some of the products/services shown are not or may not be regulated by the Financial Conduct Authority’.

GRN Financial Services Ltd is a company registered in England and Wales. Registered number: 11200120. Registered office: 15 Bath Street, Leek, Staffordshire, ST13 6JQ. GRN Financial Services Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority The information in this email is sent in confidence for the addressee only and may be legally privileged. Unauthorised recipients must preserve this confidentiality and should please advise the sender immediately of the error in transmission. If you are not the intended recipient, any disclosure, copying, distribution or any action taken in reliance on its content is prohibited and may be unlawful. GRN Financial Services Ltd accepts no responsibility for any loss or damage resulting directly or indirectly from the use of this email or the content.

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