At CB+CO we understand each buyer’s situation varies. Whether it’s purchasing your first home or looking for an investment property, our team is here to advise you on the best course of action subject to your requirements and circumstances.
Here is an outline of the buying process and what you can expect from purchasing through us:
The first and most important step is arranging how you are planning to purchase the property. Whether it’s a cash purchase, mortgage or relying on the sale of your own property it is important you have a plan in place. Consider the assets you have such as savings, as well as your income and outgoings. If you are seeking to purchase with a mortgage we strongly suggest speaking with an independent mortgage broker to ensure you are offered the best options. CB+CO can recommend if you need it.
Having your finances in place means you will be in a stronger position to negotiate as you are ready to go!
Consider what’s important to you in terms of your property purchase. Are you specific on the location? Is a garden a deal breaker? Are you looking for a fixer-upper? Register your interest with us, tell us exactly what you’re looking for and we’ll be sure to keep you a heads up on upcoming properties.
3. Property to Sell?
If you are reliant on the sale of your property or generally have a property to sell, please get in touch for an accurate market appraisal. Having the same agent keeping on top of your sale and purchase makes a huge difference on the conveyancing process.
We provide high quality images, 3D floor plans and 360 virtual tours to ensure you are provided with as much detail as possible prior to viewing. Once you have established there are enough boxes ticked, we can get a viewing scheduled for you.
5. Instruct a Solicitor
A successful purchase relies on an efficient and experienced solicitor. Please speak to us for recommendations on our hand-picked solicitors.
6. Offers and Negotiation
Buyers with no chain, those with pre-arranged mortgages or cash buyers are usually the ones in a favourable position to negotiate as you are ready to go. Always consider the maximum you can afford to offer when negotiating too.
7. Offer Accepted
Once your offer has been agreed, you will need to instruct a solicitor for the conveyancing process. At CB+CO we can refer you to our panel of solicitors if you don’t already have one in place. Working with solicitors we have a good working relationship with always helps with the legal process. Please note that offers are always accepted “subject to contract” and satisfactory survey. This is the beginning of the hard work!
8. Conveyancing Process
Your solicitor is instructed to carry out the conveyancing process. Here is a brief overview:
- Receive Contract Pack from Vendor’s Solicitor which will contain information such what’s included in terms of fixtures & fittings, details of boundaries, any disputes etc.
- Check the seller is the owner of the property and prepare Report on Title for you
- Instruct searches
- Check any copies of guarantees, planning permissions and building regulation certificates where necessary
- Raise enquiries based on the information received and obtain responses from the vendor’s solicitors
- Pay stamp duty and land tax on the property
- Arrange registration of title in your name
9. Surveys and Mortgage Offers
If you have a mortgage in place, you will need to complete any lender’s application form and send them any required documentation including ID, proof of address, proof of earnings and bank statements – so it’s always worth trying to gather this paperwork in advance. Your lender will then schedule for a valuation to be carried out at the property.
As a cash purchaser, you may not need a survey but it is always advisable! If you are buying an older property in need of repair it may be sensible to have a more detailed survey done. We can help you arrange this if needed.
10. Exchange of Contracts
Exchange of Contracts is usually the last stage of the legal process and you’ll be asked to pay a deposit of 10% of the property value before the contracts can be exchanged. It is worth noting that it is essential to have building insurance cover in place at this stage. A completion date should be agreed and your conveyancer will send you a completion statement.
Here are some tips to make your moving day as smooth as possible:
- Use a good removal firm – we can help you with this
- Take meter readings on move in day for record
- Check out the best value utility contracts
- Redirect post well beforehand
- And lastly, whether it’s a fixer-upper or a brand new apartment, enjoy the process and we’ll be here if you need any additional help!
And finally, congratulations!
Read What Our
"Highly recommend this company! Have used them for renting out our lovely cottage and I have to say they went above and beyond to find us some lovely tenants :). Nothing was too much and I just love how personal they are to you - always updating you on the progress etc. Thankyou again! xx"
"I can't fault Curran Birds & Co in anyway. Lovely, genuine guy's who are always very professional and quick to respond to any query no matter what time of day. Very helpful and reassuring with a friendly approachable mannor at all times. Nothing was too much work and they definitely made the whole process more enjoyable and run more smoothy. Would highly recommend to friends and family."
My husband and I just completed the purchase of our first home in derby. Paul and Jeremy were both fantastic throughout the entire process. They kept us updated consistently and made time to respond to every query we had regarding the property. Their recommended mortgage adviser is very patient and reliable and constantly works with our lawyers to ensure there are no unnecessary delays in the process. I Will highly recommend Curran Birds & Co estate agents for their reliability, efficiency and effectiveness in buying a home..
From bid, to customer service till the very end, Paul and the team have been outstanding. It was a pure delight to purchase from them and they made everything stress free and easy. I would certainly recommend this estate agent to anyone looking to purchase or sell, and they will have my custom again in the future. Its a shame I can only give 5 stars. Thank you so much everyone at Curran Birds + Co!
Recently sold my house with Curran Birds + Co and couldn’t recommend them enough. The process from valuation through to completion was made stress free due to the frequent updates from both Jeremy and Paul. The pictures and marketing of the house was exceptional, resulting in the property being sold within a few days. I will definitely use them in the future when buying or selling my next property.
I've recently purchased a semi-detached house through this team. As a first-time buyer, Paul and Jeremy's patience and guidance throughout the entire process was invaluable to me. They were involved to ensure everything went smoothly and regularly checked in with updates. If you're looking to buy a house, this team is the only THE CHOICE for you.
My husband and I have just sold our house through Curran Birds & Co and can not recommend them enough.
From start to finish the communication between ourselves has been fantastic and the support with legal documents was so helpful, we would highly recommend them to everyone!
These guys are amazing! Super effecient and extremely helpful. Couldn’t recommend enough. Thank you again!
I have dealt with Jeremy Curran few times and every time he has excelled my expectations. I called him a few weeks ago to sell my mother’s house, he was got it on the market and it was sold within a days for more. The whole team at Curran Birds & Co are very friendly and professional, kept me updated throughout. I would definitely highly recommend them to everyone, as I have done already, these guys are genuine. I will not consider any other estate agents for my needs.
Paul is incredibly helpful and friendly. Their service was professional, effective and they were a pleasure to work with. Very accommodating with all my requests and responded almost always immediately. I would highly recommend.
Colours of Clothing Ltd
I have had the pleasure of dealing with Curran Birds & Co for the sale of my property and can't fault them. Very professional but friendly making you feel at ease. Communication is excellent, keeping me informed of everything and also offering advice when needed. I am so pleased with the marketing of my property and the response it got as a result of that. Highly recommended.