Purchasing a house can be very difficult. But, you can simplify the process, if you take the following simple tips into account:
1. View the house on more than one occasion
Before you will make an offer on a property, it is important to consider whether or not this is the right house for you. Make a research and do not rely on one viewing. It is very important to see a property in daylight so that you can reveal many problems in the property.
2. Define the structural defects before you move into the house
It is a common thing for a Homebuyers Report or structural survey to see defects, in most cases with older houses. When it happens, you have to discuss the things with the surveyor and ask him to get quotations to cure the defects. If to your mind, the price of the work is large, you can have the re-negotiation of the purchase price of the seller. If you need a survey, your property solicitor should be able to tell you the name of a professional Chartered Surveyor.
3. Check with your mortgage company if you want to rent the property
If you have a mortgage then you can not rent a house without the permission of your lender. They approve this usually that a proper tenancy agreement is concluded to meet these requirements.
4. Do not think that the council tax for the house will remain the same
If there were some extensions to the home, it has been last valued, than your Council Tax banding is more likely to be changed after completion. You can end up with a higher bill.
5. You should tell your solicitor about your plans to extent the house
It is often considered that only building regulations approval and planning permission is necessary for any offered extensions. But, if any construction work is within a particular distance of the boundary to your house, then you will have to comply with the Party Walls Act and serve the suitable notices on your neighbour. Then you should check if there is a restrictive agreement against your house which can prevent such work being performed or can require you to get the consent of a previous landowner as the developer. If you are assuming making changes to the house, then you should advise your solicitor who will be able to inform you on the possible issues.
6. Make sure that you get independent financial advice concerning the purchase. It is reasonable to consult with an independent financial adviser (IFA). They can provide you with valuable information on the most effective way to finance your purchase.
It is very important to appoint a professional and skilled local property solicitor. They can offer you advice on any of the above mentioned issues, which, if you follow and ask reasonable questions, will help you to have a purchase without any stress.
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