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Everyone needs house buying advice, whether you’re a first time home buyer or experienced homeowner.

We’ve compiled a simple guide to each step you’ll take.

Buying property can be quite complex. There are procedures and legal aspects that you won’t experience in any other part of life, and this will be the most significant purchase you’ll ever make. So no matter what stage you’re on in your home buying journey, it’s worth taking a moment to get acquainted with the basics.

    • guide to buying decide on whats important to you tile mobile - Gibbs Gillespie

      Decide on what’s important to you

      Consider the area and property type that appeals most to you. What budget can you realistically afford? What should the locality offer, from schools to shops and transport?

    • guide to buying work out the cost of moving tile2 mobile - Gibbs Gillespie

      Work out the cost of moving

      Before you search, get a clear idea of your budget by understanding the costs of things like fees, surveys, lending charges, service connection, searches and redecoration.

    • guide to buying arrange your mortgage mobile - Gibbs Gillespie

      Arrange your mortgage

      Our mortgage and protection advisers are on hand to advise you on the entire mortgage market and assess whether the home loan you are thinking about is affordable for you using a detailed budget planner.

    • guide to buying Instruct a property solicitor tile4 mobile - Gibbs Gillespie

      Instruct a property solicitor

      A property solicitor moves your purchase on efficiently and quickly, taking care of the legal and administrative details. We recommend a Middlesex & Herts Conveyancing, a panel of trusted local firms.

    • guide to buying viewing properties tile5 mobile - Gibbs Gillespie

      Viewing properties

      Either register at one of our branches or use our Befirst online search tool. Our database is updated every two hours, so you’ll see it here first. We can set up viewings in daylight and evening hours for properties that interest you.

    • guide to buying make your offer tile mobile - Gibbs Gillespie

      Make your offer

      Let us know your offer, and we’ll contact the seller to begin negotiations. Consider things like your available funds — are you in a chain? Your timescales, too: can you do the deal at a time that suits them too? Proof of agreement from your mortgage lender also helps show you can move forward. Once the offer is...

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    • guide to buying sale agreed tile7 mobile - Gibbs Gillespie

      Sale agreed

      Once your offer is accepted (subject to contract), you call it ‘sale agreed’. Your solicitor will begin to work through all the legal aspects of the sale and will receive the memorandum of sale from the seller’s solicitor to confirm acceptance of the offer. The formal mortgage application now begins, and the seller’s...

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    • guide to buying finalise on your mortgage tile8 mobile - Gibbs Gillespie

      Finalise on your mortgage

      Your mortgage lender will need a surveyor to conduct a mortgage valuation of the property. We provide a wide range of property valuation and survey services. Contact our Chartered Surveyors for more information. Once your mortgage lender is satisfied, they will send you a mortgage offer.

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    • guide to buying exchange of contracts tile9 mobile - Gibbs Gillespie

      Exchange of contracts

      This formal exchange agrees the terms of the sale and makes them legally binding. You’ll need to finalise your mortgage, get a final report from your solicitor, send them your deposit and sign the contract. The completion date is scheduled, usually four weeks after exchange.

    • guide to buying completion day tile10 mobile - Gibbs Gillespie

      Completion Day

      Lastly, you transfer the final payment to the seller — and congratulations! You receive the keys to your new home.

Property Valuation

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