buying guide
If you are a First Time Buyer, (FTB) the first thing you should do is make sure you are able to get a mortgage and how much you can get and can afford. There’s no point in looking at that penthouse apartment if it’s out of your reach or living in a home that won’t allow you to still go out and enjoy yourself at the weekend because you have stretched your funds to the absolute limit. If you require advice regarding mortgages and insurance then please call Kinloch Mortgage and Insurance Services on 01592 591005 and speak to Frank or Colin, they will be more that happy to help you.Make sure you have at least 6 months pay slips and bank statements easy to hand as you will need them for the Mortgage Advisor to be able to calculate how much you can afford without stretching yourself. He wants you to be able to enjoy your social life too as well as own your own home!
The Mortgage Advisor doesn’t only help you with mortgage quotes but he can also help you with buildings and contents insurance and may also be able to get you cheaper deals with surveys once you have an offer agreed on a property.
Kinloch Property Services and Kinloch Mortgage and Financial Services can also recommend local Solicitors for you, as you will need a solicitor to put your offer in for you.
If you see a property that you want to put an offer in on, then you can put in a verbal offer yourself to the selling agent. They can then negotiate with the seller and then once an offer is agreed you will have to put in your offer in writing through your solicitor. When you are offering on a property and require a mortgage then more than likely your offer would be subject to survey. This means that you are offering on the property an agreed price, providing the survey comes back with no issues to be addressed.
more >
