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Deposit: This is the amount you put towards the cost of the property when you buy your home. On average, you need at least 5% to 20% of the purchase price (for example: £10,000 to £40,000 when buying a £200,000 home).
Valuation Fee: The mortgage lender will assess the value of the property to establish how much they are prepared to lend you. The cost can be £150-£1,500 based on the property’s value. Some lenders might not charge you for this, depending on the type of mortgage product you select. The lender’s valuation is not like a full structural survey so it might not identify all the repairs or maintenance that might be needed.
Surveyor’s fee: Before you buy a property, get it checked by a surveyor. This is vital so you understand if there are any problems before you buy. Surveys range from a basic home condition survey costing around £250 to a full structural survey from £600 or more. Paying for a good survey could save you money on repairs in the long run.
Legal fees - You’ll normally need a solicitor or licensed conveyor to carry out all the legal work when buying and selling your home. Legal fees are typically £850-£1,500 including VAT at 20%.They will also do local searches, which will cost you £250-£300, to check whether there are any local plans or problems.
Removal costs - These usually range from £300-£600, although you could rent a van do it yourself.
A purchaser or seller should never commit to delivery of goods, taking time off work, or a date for works at the property until the solicitor confirms the actual completion date.
When making your decision you should consider the following:
• If using the services of a solicitor, ensure they are regulated by the Solicitors Regulation Authority. It is illegal for a solicitor to practise without this regulatory requirement. Likewise, a conveyance should be registered with the Council of Licensed Conveyancers
• A solicitor should also be able to provide additional services that may be required as a result of a property transaction. This includes Will writing, drawing up protective contracts for shared ownership, handling lease extensions or offering advice on settling boundary disputes.
This is probably one of the biggest investments you will make in your life; let us help you make the right decision.
Our top tips for making an offer count:
- Don't reveal to the seller how keen you are on the property
- Let the seller know if you're a cash buyer
- Start negotiations by offering 5%-10% under the asking price
- Stay cool, calm and polite at all times
- Make sure your offer is subject to survey and getting a mortgage
- Don't get carried away and pay more than your budget
- Make an offer on the condition that they take the property off the market
- Get your finances in order in advance
- Ask if other offers have been made
- It can pay to negotiate directly with the seller
If the price is over £500,000 you will need to follow the rules below.
Up to £125,000 – Zero
The next £125,000 (the portion from £125,001 to £250,000) – 2%
The next £675,000 (the portion from £250,001 to £925,000) – 5%
The next £575,000 (the portion from £925,001 to £1.5 million) – 10%
The remaining amount (the portion above £1.5 million) – 12%
Visit our handy Stamp Duty Calculator to find out more.
The completion date is the date in which you are able to move into your new home.
The estate agent is likely to hold the keys for you to pick up. On completion day, your solicitor will arrange for money to be transferred to the seller’s solicitor. Ideally, all the buyers and sellers in the chain complete on the same day, otherwise you might have to wait for the seller to have completed buying their new home before you can move in.