Buying Guide

Pathway to Ownership: Your Step-by-Step Buying Guide


We recognize that your home search is uniquely yours. At Northover & Williamson, we offer a diverse range of properties, ensuring your ideal home awaits, whether it’s a cozy studio or a sprawling detached house.


Start Your Journey to finding that special place with us.


Money Matters! All things financial:

At the outset, it’s essential to determine the financial groundwork – how much to save and what borrowing capacity is comfortably within reach. Your savings contribute to the deposit, a key factor influencing interest rates. A heftier deposit often leads to lower rates. On average, a deposit typically ranges from 10% to 25% of the property’s value.


No worries, we’re here to guide you. Our recommended mortgage advisor will expertly navigate this terrain with you. They’ll pinpoint the mortgage that best matches your unique situation and needs. Exploring your mortgage options has never been simpler – arranging an appointment with our advisor is your most straightforward route.


Let’s start your journey! Book an appointment today…

Hunting for Home Sweet Home:

With your budget clearly defined, it’s time to kickstart the exciting journey of finding the perfect property. Begin by registering your preferences and start exploring the vast array of options available. Once you’ve identified a property that aligns with your aspirations, it’s time to make your move. Put in an offer and let our experienced agents guide you through this process. Reach out to your agent who is there to assist you every step of the way.

Show Me The Money! Providing Proof of Funds:

Once your offer is accepted, it’s time to back it up. We’ll need proof of your funding, which could be an agreement in principle from your lender if you’re going for a mortgage, or documentation of your funds if you’re a cash buyer. Additionally, we’ll ask to see evidence of your deposit. And if things need further clarity, we might chat with your financial advisor.


If mortgage advice is on your list, we’ve got your back. Our independent mortgage advisor is ready to help you uncover the perfect deal for your needs.

Initiating Your Mortgage Application:

It’s time to set the wheels in motion for your mortgage. Schedule a meeting with your financial advisor, they will handle the application process with the lender. As this progresses, you’ll also arrange for the property survey to take place, ensuring all details are in order.

Appoint Your Solicitor

Upon acceptance of your offer, the next pivotal step is securing a solicitor. They’ll send over vital documentation to kickstart the buying process. In case you don’t have a solicitor in mind, we’re more than happy to connect you with our trusted network.


Once your solicitor is onboard, we’ll issue a sales memorandum to all involved parties, setting the wheels in motion for your property purchase. Your solicitor will take charge of searches and liaise with the seller’s legal representative, ensuring a seamless progression.

Green Light: Your Mortgage Offer Arrives!

As the survey wraps up and the lender gives their seal of approval, your eagerly awaited ‘mortgage offer’ lands in your hands. This official document not only confirms your mortgage’s approval but also ensures a seamless process by being forwarded directly to your solicitor. Your journey is on track!

Sealing the Deal: Contract Exchange!

With all the i’s dotted and t’s crossed, it’s time to seal the deal. Once your solicitors have cleared the path, the exciting step of exchanging contracts is on the horizon. Securing your property is a must, and for that, buildings insurance is essential. The policy should be active from the date of contract exchange onward.

Transition Smoothly: Preparing to Move!

As the agreed completion date draws near, it’s time to shift your focus towards the practical aspects of moving. Start considering the arrangement of removal companies to ensure a smooth transition; if you would like some recommendations, just let us know!

Closing the Chapter: Completion Day!

With each stage successfully completed, you’re now on the verge of a significant milestone. Upon completion, your name will be officially registered with the land registry, and the payment of land transaction tax will be coordinated by your solicitor.

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