Understanding your personal circumstances is vital in finding the right equity release plan for you.
Published: December 6, 2017
7 Steps to Be In Your Next Home by the New Year
Christmas is just around the corner, with 2018 not too far behind! So if you’re hoping to move house by the start of the New Year, then you’ll need to start getting organised, now. Which is why we’ve put together some easy steps, to help you sell your current home and be moved into your new one by the beginning of 2018.
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Choose Your Estate Agent Carefully
With almost all property searches now taking place online you should definitely be looking for a selling agent who lists their properties with all of the major online portals, such as Zoopla and Rightmove. This will ensure that your property is being put in front of the biggest possible audience, helping you to sell it in much quicker time.
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Make the Most of What You’ve Got
Whilst there are many aspects of moving home that you cannot control, getting your house in tip-top shape for potential buyers is something that you can.
If you want your home to sell as quickly as possible, then it needs to be looking its absolute best for viewings. So take this time to declutter and tidy your home from top to bottom. Throw out any unwanted mess, carry out any essential maintenance (if time allows!) and strive to create a welcoming feel that will appeal to visitors.
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Make Sure the Price is Right
If you want your home to sell quickly, then it will need to be priced appropriately. It’s always best to get a few valuations from several estate agents – however, don’t just opt for the agent offering the highest price. Sometimes too high of a price will only drive away any potential buyers, which you’ll want to avoid if you’re looking for a quick sale.
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Look for Serious Buyers Only
One of the best ways to speed up the selling and buying process, is to go with a buyer who is as keen to move out as you are! So look for a buyer who is already in the position to move. Cash buyers are definitely going to be the best buyers in a need-for-speed situation, but if you have potential buyers in need of a mortgage, asking to see an Agreement in Principle can confirm for you just how serious they are.
An important note – if you’re considering a buyer with their own property to sell, always make sure that their property is already under offer before taking yours off the market.
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Don’t Forget Your Paperwork
A boring but crucial step to hurry your move date along, is to get your paperwork in order.
Whether you’re applying for your first mortgage or having to reapply for your current deal, you’re going to need a whole variety of paperwork behind you. From your payslips and tax returns to employment contracts and bank statements, getting everything in order now is going to prevent any hold ups further down the line and help to give you the best possible head start.
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Think about the type of survey you would like
A survey is a detailed inspection of a property’s condition. The surveyor will inspect the property and tell you if there are:
Structural problems like walls almost falling down or subsidence
Major repairs or alterations needed like roof or chimney chute repairs, or rewiring
Expert commentary on the property, from the type of wall to the type of glazing
What survey do I need?
There are 3 different types of surveys, Condition Survey, which is a basic survey used to access the general condition of a property and complements the mortgage valuation. Home Buyers Report, a more detailed survey which highlights obvious major problems to the property which may include damp or rot. This is a non intrusive survey and the surveyor will on inspect visually. Building Survey, a more expensive survey but is often worth the cost, the surveyor will inspect all aspects of the property looking in the loft and under floor boards to show any major or minor issues.
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Be Clear on Your Completion Date
The key step in all of this, is to set out your desired completion date from the very outset.
Make sure that you, your solicitor and your buyer all know what date you are working towards.Your completion date is the point at which you will receive the keys to your new property and it becomes yours. So if you’re intending to be moved in to your new home by the start of the New Year, make this known as a condition prior to exchange. Completion can sometimes take up to a few weeks after this point, but if agreed beforehand, it can take place even sooner.
Are you hoping to move in 2017? For professional advice and competitive mortgage deals, contact the team at Amber Mortgage Solutions. You can call us today on 01702 619221 or contact us online.
We look forward to speaking with you!
