Kelrick Properties - The buying process

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The buying process

Your search begins

Firstly, make sure you register with one of our experienced sales negotiators who will check your requirements and access all properties that match your criteria.

We will then contact you by text message, e-mail or post. Full colour brochures can be printed from this website or posted to you. When you have registered with our office, SMS Property Alerts can instantly transmit the latest property information directly to your phone, whilst simultaneously emailing a full colour brochure to the email address of your choice.

Mortgage

It is advisable to get a mortgage agreed in principle as early as possible, as this will speed up your mortgage application. Our mortgage brokers have access to every mortgage on the market and, and unlike most mortgage brokers they won't charge you a fee.

Arrange a viewing

The next step is to arrange viewings of suitable properties. Contact us to arrange a viewing on the property of your choice.

Make an offer

Once you’ve found a suitable property, we'll put your offer forward to the seller, both verbally and in writing. Any offer is subject to a contract being signed. There are no legal obligations on either side until the contract is signed.

Sale agreed

Once your offer is accepted, you will need to instruct your solicitor to proceed immediately. At this stage always ensure that exchange and completion dates are agreed. This is also the time to instruct your mortgage broker to proceed with your mortgage application and make arrangements for a survey.

Draft contract

This will be drawn up by the seller's solicitor and sent to your solicitor, who will raise some preliminary enquiries and make a Land Registry search.

Local authority search

Your solicitor will submit a local authority search to the local borough council. This will reveal, for example, planning consents granted for the property and any local issues.

Survey

A survey is carried out on the property by a surveyor on behalf of the mortgage lender to identify any structural problems and advise on the property's value.

Contract approval

Once results of the local search and answers to the preliminary enquiries are received, the draft contract is approved by your solicitor providing there are no further enquiries.

Formal mortgage offer

This document will be sent to your solicitor for you to sign. Once signed and returned your mortgage is in place and you are ready to exchange contracts.

Exchange of contracts

The contract is signed by you and the seller. The deposit (usually 10% of the purchase price) is telegraphically transferred or paid by the buyer's solicitor in the form of a banker's draft. The completion date is set.

Completion

This is generally set a few days to a few weeks after exchange of contracts, depending on each parties' personal requirements. Residual monies (usually 90%) are now transferred from your solicitor to the seller's solicitor's account.

You are now the legal owner of your new home. Congratulations!

Kelrick Properties have served us very well for the last eight years in renting out our property in Ince, Wigan. We live abroad and they have managed to achieve tenants for us, and sort out all our contracts and maintenance at our property efficiently and without hassle. We highly recommend them and use their complete service enabling us to be "worry free". We value their time and expertise as we value our tenants. Sandy and Shirley Montgomery (France).

Sandy & Shirley Montgomery, Landlord, Ince - January 2018

I was selling my ex marital home following an acrimonious split and there were a lot of issues. I instructed Kelricks because they had impressed me when I was house hunting a few year earlier.

Kelricks were extremely patient in dealing with a messy situation. Their hourly rate was probably very low given the amount of time they expended trying to make this sale happen. Pauline in particular was tireless in her efforts to make the sale happen.

I can't give them any less than five stars. I would give them more if I could. If you are selling a house in WN4 - or indeed elsewhere in Wigan, they are the people to instruct. Don't go with an online agent - there is a lot to be said for using a proper, professional bricks and mortar estate agents like Kelrick Properties.

Gaz Slevin, Seller, Ashton-in-Makerfield - January 2017