UK Property Guide
To buy or not to buy
It begs the question
A list of questions to ask yourself to find out if buying a house is right for you
The financial arguments
A description of financial considerations that can influency your decision won whether to buy a property, such as financial protection products, short-term cash outlay, insurance and the financial rewards
Economic factors
Market conditions, housing supply, demand, prosperity, interest rates; a descriptive list of economic factors affecting buying and selling a house
Stay where you are!
A list of reasons why staying put and not moving house nay be a good idea and some ideas on how to improve your home including; extending, converting, decorating, conservatories, carpets, renting and house prices.
With your partner
An explanation of why living together before you buy a house is worth considering and your legal rights as unmarried home-owners.
With your friends
A description of how you can buy a house with a friend or colleague and your legal rights
Plan your purchase
Buying overview
An overview of the ten steps involved with buying a house including deciding to buy, Planning your purchase, applying for a mortgage, finding a home, negotiating, making an offer, instructing a solicitor, arranging a valuation or survey and exchanging contracts
Purchase costs
An overview and explanation of the costs involved with moving house including purchase costs, deposit, mortgage costs, solicitor's fees, disbursements, stamp duty, survey costs and move costs.
Mortgage costs
A list and description of mortgage cost including Arrangement fees, application fees, administration fees and mortgage indemnity guarantees.
Move Costs
A list and explanation of the costs involved with moving house including insurance, removals firms, storage, van hire and driving.
Total cost planner
A list and explanation of the costs involved with moving house including insurance, removals firms, storage, van hire and driving.
Apply for a mortgage
How much can I borrow?
An explanation of the factors affecting what mortgage you can borrow and how it is worked out.
How much can I afford?
A mortgage calculator to work out what mortgage repayments you can afford from your income and expenditure.
Mortgage application
An explanation of the factors affecting the success of a mortgage application and a list of questions asked and documentation required.
Mortgages online
A brief overview of mortgages and lending online in the Internet age plus an explanation of online mortgages, financial advisors, brokers, lenders and personal finance.
Agreement in principle
Mortgage agreements in principle explained plus an example quotation for a flexible mortgage.
Confirmation of offer
An explanation and example of a written conformation of offer.
Find and view
Find and view
An overview of searching, finding and viewing a property for sale.
Negotiate
How much to offer
An explanation of how to decide what offer to make and negotiate a price for a property you want to buy
It pays to negotiate
A list of hints and tips to help when negotiating a price and making an offer for a property
Buyer and seller positions
A list of factors effecting the buyer's and sellers positions when negotiating a sale including no chain, first-time buyers, pre-qualification, having a mortgage agreement, market conditions, length of time on the market and the season.
Surveys and valuations
Surveys
An overview of a basic valuation, homebuyer's report and a full structural survey and some hints to help decide which survey to choose.
Basic mortgage valuation
An explanation of the function, purpose and cost of a basic mortgage valuation.
Basic valuation example
An example of a surveyor's basic valuation report for mortgage purposes.
Homebuyer's report
An overview and description of a homebuyer's report including cost, property for which it would be required, format and what the survey will consist of.">