Oak Valley Buyers Guide
Buying your home can be complicated, sometimes even frustrating, particularly if you are unsure of the process. To help make the experience as straightforward as possible for you, we have outlined the key stages.
Register with Oak Valley
Oak Valley will be delighted to find your ideal property. You can let us know what these are by registering now, by phone or by visiting us where a member of staff can assist you with your search.
When you have registered, we can notify you of suitable property updates matching your requirements via email and telephone.
Finding a mortgage that's right for you can be difficult. Besides, do you really have the time to collect information and compare rates, deals and offers?
We believe that you'll get a better deal by talking to an independent mortgage broker who can tell you about offers from a wide range of the UK's leading lenders. This applies whether you're employed, self-employed, looking to re-mortgage for a better deal or buying your first home. This is why we have established links with Nicolsons Financial Management who are an independent mortgage broker.
Making an Offer
As soon as you've found a suitable property, we'll put your offer to the seller, verbally and in writing. The offer will be subject to a contract being signed and there are no legal obligations on either side until this is done.
Sometimes there may be a process of price negotiation. This can be difficult, but by working with Oak Valley you'll benefit from our expertise in this area.
The Vendor's Solicitor will prepare a Contract of Sale. You will need to appoint a Solicitor to help you with the legal and conveyancing process of your move.
When your Solicitor has replies to enquiries; a completed satisfactory local search; a copy of a mortgage offer; a signed contract and a deposit cheque, they can proceed to Exchange of Contracts. A minimum deposit cheque is normally required for 10% of the purchase value of the property.
Completion is normally 28-days from the date of exchange. On completion your Solicitor hands over the remainder of the purchase money to the Vendor's Solicitor and you can move into your new home. Keys will be handed over to you by the Vendor or by us.
"The staff there are really professional and helped me find the perfect property"