Contact Us
Branch
Unit 8/10 The Buttermarket, 132 Main Street,
Fivemiletown, BT75 0PW
028 8952 2800
Estate agents in Enniskillen, Northern Ireland

First Time Buyers

Take independent advice.


Before you start your property hunt, it's worth making sure that you know what you'€™re able to borrow. Most first-time buyers will really benefit from taking independent advice before buying their first home - both on what their options are and who offers the best deals.

Our expert mortgage advisers will search thousands of mortgage deals made available to us and pick out the best one that's right for you.

Step 1 How much can I borrow?

Before you start your property hunt, it's worth finding out how much you can borrow. If you are a First Time Buyer you will really benefit from taking independent mortgage advice before buying your first home. Seeking advice on what your options are and who can provide you with the best deal will save you time and money.

Our expert mortgage advisers will search thousands of mortgage deals made available to us and pick out the best one that's right for you.

Step 2 Viewing Properties

When you find a property that you are interested in, we recommend that you to do a drive-by to ensure you are happy with location and the overall appearance of the property itself. This will help you decide if you would like an internal viewing. We will be more than happy to arrange this.

Step 3 Making an offer

Now that you have found a property that you would like to purchase, you need to make an offer. You can email this to us, contact us by phone or call into our office. Some vendors may be flexible in the price they will accept for their property however, you should be prepared to negotiate if you offer a price that the vendor does not accept. If there are several people interested in the property, the vendor may hold out for the full asking price.

Step 4 Has your offer been accepted?

If the vendor is happy to accept your offer, we will notify you immediately. At this stage we will discuss the terms of your offer, deposit, solicitors details and completion date.

Have you accepted an offer?
Yes No

Step 5 Choosing a mortgage

You will now need to return to your mortgage adviser to notify them of your offer and your mortgage requirements. Let the adviser know if anything has changed in your personal circumstances as this may affect the original advice you were given. You will now need to provide certain documentation to support your full mortgage application.

Step 6 Valuation

Once the application has been processed with the mortgage lender, a valuation will be carried out on the property and this report will be sent to your mortgage provider and to your solicitor.

Step 7 Appoint solicitor

The solicitor is responsible for arranging the conveyancing for your property. The job can be lengthy and time consuming, but don't get frustrated! It is imperative that the legal work is carried out perfectly.

Step 8 Exchange of contracts

If you are happy with the mortgage offer and definitely want to proceed with the purchase of your home, your solicitor will request for you to read and sign a draft contract which is prepared by the vendor’s solicitor. Once you and the vendor have signed and exchanged this document, you are legally bound to buy the property and the vendor is legally bound to sell it to you. A completion date will now be agreed.

Step 9 Completion of Sale

After exchanging contracts, your solicitor will call upon your mortgage provider to release funds to the vendor’s solicitor. When receipt of the cash has been confirmed, you can collect your keys!