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Monday, 25 January 2016

Things you may not have considered when buying your home

We don't plan to move anytime soon, in fact we may not move ever again! I see our home now as our 'forever home' and the stress, worry and time it takes to find a new home is not a process I'd like to go through again anytime soon. It was an eyeopener for us though and there are so many things to consider. If you are on the hunt for your new ideal home, or are planning to move, then selling your property quickly and effortlessly is a crucial part of the process. You may have your current home on sale with an estate agent, have it listed privately, plan to sell online or you could try getting a quick valuation and offer via We Buy Any Home

When buying your new home there are a few things that you need to consider. There’s the mortgage certificate to sort, electricity contracts to arrange, a removal company…. In fact, wait a minute - there are quite a few things you may not have considered when buying your home that you might want to think about before making one of the biggest investments of your life.

Mortgages – Before you even start looking for a home it is really important to know how much money you will have for your property. There is no point wasting your time, or the seller’s, looking at houses way out of your budget. You can do a quick check on a mortgage calculator but you will need to visit a mortgage advisor. For first-time buyers, did you know that you could get up to £3,000 from the UK Government by saving with a Help to Buy ISA?

Check out the neighbourhood – If you are moving to a new area that you don’t know much about then find out what it will be like to live there. Spend time walking around to get a feel of where you could be moving to and visit local shops and pubs to get an idea of the area. Go onto local council websites and do some basic research on council tax rates, crime rates and services. Trying to find out about local areas via social media such as Facebook and Twitter can be a useful way of hearing from people who actually live in the area. 

Take photos – When you visit a property it is easy to lose track of everything that you’ve seen in the excitement of walking around so take a few extra photos on your phone or tablet that aren’t in the estate agents’ brochure. Do get permission from the home owner if you are going to take pictures of their home. 

Check planning permission – The view from your potential new home may be picturesque now but when you arrive in three months’ time will the view still be the same? For England and Wales, the Planning Portal is a useful tool to help check out any planning applications made in your area and avoid any nasty surprises. 

Flooding - Nowadays flood risk is at the forefront of our minds and has a significant impact on insurance premiums and a property's value. The Environment Agency (England and Wales) and Environment Protection Agency (Scotland) provide detailed reports about flood risks

View properties at different times – You might visit a property in the middle of the day and find a tranquil pleasant area but visiting later on in the evening you could find a different image. 

Take into account these tips before choosing your ideal home. Just by spending a bit of time researching and checking out the area as well as weighing up the pros and cons, you’ll soon be on your way to finding the home of your dreams.


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