Buying a House in North Wales

Buying a property is probably the biggest financial decision you will ever make. So here at Dafydd Hardy we will endeavour to guide you through the property maze and assist you on your journey to acquire your new home.

1. Register with Dafydd Hardy

By registering with Dafydd Hardy we can help you search for your ideal home. The more detailed information you provide will help us find you the right home.

You can register by:

• Register Online
• Calling us at any of our branches
• Visiting one of our offices

Our members area provides you with the facility of storing properties in your shortlist, arrange viewings and much more.

2. Property Search

When you have registered with an office, SMS Property Alerts can instantly transmit the latest property information directly to your phone, whilst simultaneously emailing a full colour brochure to the email address of your choice.

Full colour brochures can also be printed from our website or posted directly to you.

3. Finance and Mortgages

It is worthwhile obtaining advice and a mortgage (link Mortgage) agreed in principal early on in your property search, as this can save considerable amount of time during the mortgage application.

Our recommended broker can be contacted by:

• Contacting Us
• Telephoning any of our offices
• Visiting one of our offices

4. Viewing a Property

We will arrange appointments to view suitable properties at times that are most convenient to you.

5. Viewings can be arranged via

• Our website
• Telephoning any of our offices
• Visiting one of our offices
• MAKING AN OFFER

When you have found a suitable property and wish to make an offer, we will submit this to the seller verbally and in writing.
Any offer you make on a property will be subject to contract and is not legally binding on you or the seller until exchange of contracts.

6. Solicitor or Conveyancer

Before a sale can proceed, you will need to appoint a solicitor or licensed conveyancer to process the legal work. Whoever, you appoint will normally be appointed by the mortgage lender where relevant to fulfil their legal requirements as well. It is preferable to use a solicitor who knows the area that you are moving to and specialises in conveyancing.

7. Sale Agreed STC

Once the seller has accepted an offer, we will arrange for the agreed sale terms to be confirmed in writing to all parties. Its at this stage of the process that a target date for exchange and completion should be agreed. You should now formally instruct your solicitors, arrange a survey, if required, and ask your financial adviser to proceed with your mortgage application.

8. Survey

A valuation is carried out on the property by a surveyor on behalf of the mortgage lender.
You may choose to have an independent survey and valuation report. More information can be obtained from our Surveys section.

9. Mortgage Offer

Once your formal mortgage offer has been issued it will be sent to your solicitor with a copy posted to you. This will confirm the terms of the mortgage and deposit amount that you will be required to pay.

If you're looking for a mortgage and want independent mortgage advice and a wide selection of mortgages, why not contact the Mortgage Advice Bureau at any Dafydd Hardy branch.

10. Exchange of Contracts

Subject to all formalities being completed, the purchaser and seller sign the contract. The deposit is forwarded to the vendor's solicitors, then contracts will be exchanged. At this stage, the transaction becomes binding for both the seller and purchaser. The completion date will be agreed between both parties prior to exchange of contracts. This will approximately be one to four weeks from the date of exchange.

11. Exchange and Completion

After contracts have been formally exchanged, you can plan for the day of completion. If you are selling and buying a property, this will involve a considerable amount of arrangements and it is advisable not to leave them until the last moment.A brief list of the matters you may wish to address are as follows:

• Removals
• Confirm change of address
• Contents insurance
• Utilities to be transferred