MOVING house can be one of life’s most exciting, but in some cases, challenging experiences – particularly if you haven’t done it for a while!
There’s ever-changing legislation to get to grips with, financial implications and a range of other requirements that come hand in hand with the moving process.
However, Harrison Murray estate agents can not only offer professional advice and guidance on all aspects of the buying and selling process to customers – but have a one-stop-shop service to ensure it all goes smoothly.
Su Snaith, head of estate agency at Harrison Murray and The Nottingham said: “Moving house can be somewhat daunting for people who haven’t been through the process for several years – and aspects of it may have changed over that time.
“Our aim, as should be that of all estate agents, is to be completely transparent with buyers and sellers and guide them gently and confidently through the moving procedure.
“We will explain the process thoroughly and in detail, and take the time to care. Moving to a new home is a big investment, financially and emotionally, and all our staff want customers to enjoy the journey without feeling rushed.”
From choosing an agent, to arranging a mortgage, organising conveyancing and everything in between, Harrison Murray has it covered:
Once you are certain you want to move, choose your selling agent wisely. Instruct an agent with a good reputation whom you feel will market your home to the best of their ability, and who is a member of The Property Ombudsman scheme and the National Association of Estate Agents.
Get your financial house in order. For example, as a buyer you may have to pay Stamp Duty. This is a Government tax payable on the completion of a property purchase, starting at one per cent of the purchase price. As a seller you should start planning your next mortgage so you know what you can afford.
Arranging a mortgage can be like wading through a financial minefield. But with access to many current deals and mortgages offered through society’s like The Nottingham, customers can receive up to the minute information on what is available on daily basis.
Wise up on paperwork. Gather any documents you have that relate to the property, no matter how trivial you think they are. Buyers’ solicitors will expect to see all documents and it could result in delays if they are not provided. Windows installed after 1st April 2002 need FENSA certificates, and any remedial works should have associated guarantees.
Any previous building work will require copies of the relevant building regulations and planning permissions, as well as the completion certificate for the work.
By law, an EPC (Energy Performance Certificate) – which gives current ratings and information on how to make your home more energy efficient and reduce carbon dioxide emissions – needs to be provided. Your estate agent can arrange this.
Conveyancing is the last hurdle. Put simply, this is the act of legally transferring a property from one person to another, and has, by law, to be carried out by a solicitor or licensed conveyancer. Harrison Murray’s conveyancing solicitors can open the file for the seller at the start of the marketing process and prepare all the necessary documentation in order to reduce the time from offer to exchange of contracts - as the longer the process takes, the more likely it is that the sale may fall through.