Buyers Guide

The key steps involved with buying a property are summarised below. If you need any further information or advice, please do not hesitate to contact us.

Sell Your Property

If you have a property to sell, the first step you should take is to put it up for sale.If you have already got an offer on your property you will be in a much stronger position when you find your next dream home.


We can help you in sell your home. Click here to arrange a free, no-obligation valuation of your home or contact us.

Work Out What You Can Afford

On top of the cost of the house itself, there are many other one-off expenses involved in buying a home and moving.


These costs include:

  • Mortgage Arrangement Fees

    A fee is charged by lenders to cover the cost of setting up the mortgage. Some lenders waive this fee. Our partners, a firm of professional, independent financial advisors, would be pleased to provide you with a free, no-obligation consultation on what mortgage options are available to you, and the associated costs.

  • Lender's Valuation (Basic Valuation)

    All lenders require a valuation of the property to assess whether it is actually worth the price being paid for it. This type of valuation is organised by the mortgage lender. The cost of the valuation depends on the value of the property.

  • Professional Survey

    You may wish to commission a more detailed survey in addition to the basic mortgage valuation. There are generally two types of survey: the Homebuyer's Report (which costs around £500) and the more comprehensive Building Survey (Structural Survey) which could cost anything up to £1,000, depending on the value of the house. A professional survey can be arranged for you through us, please contact us for more info.

  • Legal/Conveyancing Fees

    You will also need to instruct a solicitor to deal with all legal aspects of buying the property you want. We promote a range of different and very competitive conveyancing options - please ask us to find out more. 

  • Stamp Duty

    This is a government tax, charged for the purchase of properties. For full details  visit www.gov.uk/stamp-duty-land-tax/overview

  • Land Registry Fee

    The Land Registry is the government department that manages the register of all properties in England and Wales. It charges a fee - typically £50 or so but depending on the property price - for transferring the register to the new owner.

  • Local Authority Search Fees

    Local searches will be carried out by your solicitor/conveyancer to ensure there are no potential problems such as planning permission on neighbouring properties or plans for new roads nearby. The fee can vary depending on which local authority your new home is located in, but you should budget around £200 to cover this charge.

  • Other Search Fees and Disbursements

    These include an index map, commons, the coal authority, land charge, company searches, and bank transfer fees. Allow about £100 to cover an average house purchase.

  • Sales / Estate Agent's Commission

    If you're selling your property as well as buying one, the sum charged by your estate agent has to be taken into account. Usually, this is charged as a percentage of the property price. Please call and contact us online to learn more about our fees and related services.

  • Removal Fees

    If you're on a tight budget, you could arrange to do all the packing and removals work yourself. However, given the scale of this task, we recommend you seek professional assistance. We have partnered with removals services to assist you. Please contact us to learn more.

Get a "Mortgage in Principle"

On top of the cost of the house itself, there are many other one-off expenses involved in buying a home and moving.


When you find a house, you'll probably have to move fast to secure it.

To prevent being delayed while sorting out a mortgage we highly recommend you first get a "Mortgage In Principle" agreed. Having this in place means you should be able get the actual mortgage quicker when the race to buy your chosen home begins. You can get this offer in writing to show to Estate Agents and sellers - who will then see you as a serious prospect and not a time waster.


A 'Mortgage In Principle' is a conditional offer made by a mortgage lender that - provided the information you give them is correct - they will "in principle" give you the loan you have discussed with them.

Knowing what you can afford will also help you narrow your search and give you a considerable degree of confidence.


Our partners, a firm of professional, independent financial advisors, would be pleased to provide you with a free, no obligation consultation on what mortgage options are available to you, and the associated costs.Contact us to find out more.

Register With Us

Once you have worked out how much you can afford the next stage is to start looking for a property.


To find your ideal property, we need to know as much as possible about your requirements. You can register with us either online, by phone or by visiting our offices, where one of our consultants can assist you with your search.


Once we have a clear understanding of your requirements we will access all properties that match your criteria. When you have registered, details of suitable properties can be sent to you by SMS, email or in the post - depending on your preferences.

View Properties

This is the fun bit!


Its always good to have a good brainstorm about what exactly you will be looking for in your new home. Afterall, you can't ask for a refund if you decide you don't like it after four weeks! You may well have to make some compromises in the house you buy so decide now what your "MUST HAVES" and "NICE TO HAVES" are. For instance: is an ensuite bathroom a MUST HAVE or a NICE TO HAVE? Remember: Consult your husband/wife/partner and children - so that you are all clear and agreed on what's really important to you.

  • View properties on our books

    Viewings can be conducted from 10am - 6pm Monday to Friday and 12pm - 4pm on Saturdays. You can book a viewing by phone Monday to Friday 10.00 am - 6.00 pm, Saturday 12.00 am - 4.00 pm, Sunday by appointment. You can also book a viewing online through the 'Book a Viewing' link presented against each property you find on our property search engine.


    We usually conduct all property viewings as the Vendor may not always be present. Sometimes, a vendor gives us specific times for viewings, although we do ask them to be as flexible as possible.


    After the viewing, we will answer any immediate questions and usually contact you the next day for your thoughts and general feedback.


    Please be on time for viewings. We will arrange to meet you at the property, or if it is more convenient, at our offices from where we can take you by car. Sometimes we can collect you from your home or your place of work, depending on where these may be.

  • Property Search Service

    We also offer a property search service to serious but busy buyers, who have limited time to spend looking for a home. If this is you, this service could save you a ton of time and money. Contact us for more information.

Make an Offer

How exciting! -  You've found the house of your dreams and you want to make an offer. Let's hope we've found it for you.

As soon as you've found a suitable property, we'll put your offer to the seller, verbally and in writing. We always aim to communicate your offer on the same day. 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 and by working with us, both vendor and buyer can benefit from the expertise of our consultants, who will work hard to facilitate an agreeable outcome that delivers the best result for all.

Exchange and complete contracts

When your offer is accepted, the vendor's solicitor/conveyancer will prepare a Contract of Sale. You will also need to appoint a solicitor/conveyancer to examine the contract, and raise any queries based on the title deeds and related property matters. To help secure a legal professional, we offer a range of different and very competitive conveyancing options that you can choose from. Please contact us to find out more.


When your Solicitor has replies to their enquiries, a completed satisfactory local search, a copy of a mortgage offer, a signed contract and a deposit cheque, they can then proceed to Exchange of Contracts. A deposit cheque is normally required for 5-10% of the purchase value of the property.


We recommend that by this stage you confirm arrangements for moving day - i.e. a removals service. With us, we can put you in touch with one of our reputable removals firms. Contact us o learn more about this removals service.


Contract completion can be on the date of exchange or can be anything up to 28 days later, depending on your requirements. On Completion your solicitor hands over the remainder of the purchase money to the vendor's solicitor and you can then move into your new home. Keys will be handed over to you by us, along with a "welcome pack" that includes various items of information that we expect will be of help to you - including final meter readings for electricity/gas, location of water stopcocks, meters, and so forth.

Contact us

Contact us today to take advantage of our great range of services

Telephone:

01582 487 900

Email

sales@ultimateconnexions.co.uk

Address:

25 Wellington St, Luton LU1 2QH, United Kingdom

Any questions?

Fill in the form below and we will get in touch with you as soon as possible

Buyers Guide - Contact Us