You can save £1000s in buying process.
1. We challenge to save over £500 for a UK family in Energy, Broadband, Mobile and Home care etc.
2. Our conveyancing fee just £600.
3. No fee for arranging the mortgage and we cover all contractor, self employed, employed and so on.

SERVICES AT 1 STOP 4 HOME BUYERS

We can help you save £1000s in buying process. Our Services Our Prices Peerless.
Go to Re/Mortgage

Re/Mortgage

We or our partners don’t charge even a single penny for arranging the re/mortgage. On the other hand you will be server by carefully chosen partners. Also you will be keep updated about the progress. Our partners have access to all lenders in UK. Note: Our partners won’t charge from you if recomendded by us.

Go to Conveyancing

Conveyancing

Provide us property details you are buying/selling to get a detailed quote. We challenge you to get any quote better than us for the same quality of services and we will beat it. Again you will get decent benefit of our partnership with carefully chosen professionals. Our Services Our Pricess Peerless.

Go to Insurances

Insurances

What if we fall sick or meet an accident or got some terminal illness. The best solution is make sure in advance that mortgage will be paid every momth on or paid in full. Having insurance is the best solution. Please fill the form and send us so that we can help you to find the best suitable option for you.

Go to Home Buyer Survey

Home Buyer Survey

Home is much more than just bricks and mortar with wood and glass. Please have a good overview about what elements in the home before you buy. Lender’s valuation survey will provide you a high level report, not detailed one. If you need Home Buyer Survey one of our business partners can help you.

Making Trust

A trust is one of the best ways to manage your assets (money, investments, land or buildings) and pass it to next generation. There are different types of trusts and they are taxed differently. Please send your details and we can help you to find the best suitable for you. Do you know how wealthy do?

Will Writing

A Will will make it really easy to solve potential disputes when there will be question about the heir. Also it will reduce the time and money it would cost if you don’t have the one in place. Therefore, its always wise to have a Will in place . It doesn’t impact your ownership rights in anyway.

Credit Report

Before contacting a lender, it is good idea to check your credit report. Below are the important factors those affect your credit rating. Factors affect your credit reports are Payment history, Amounts owed, Length of credit history, New credit etc. Please fill the form and we will help you to get the one free of cost.

Go to Energy and more…

Energy and more…

Did you know light bulbs and appliances are number 1 reason for higher energy bills? What if we REPLACE your all bulbs with LED ones FREE OF COST LIFETIME and pay your penality (up to £200) which may occur to break the contract with your current Energy, Broadband, Landline and Mobile suppliers and…find more.

Did you know?


Still, many properties are sold off the market?
Can you believe you can get upto 100% LTV ( Loan To Value)?
We are the first company of its type, who help the buyers.
Our aim is to provide them the best professional services at best price i.e.
" Our Services Our Prices Peerless"
1. Our partners have access to each and every lender in UK.
2. We DO NOT charge even a single penny from our buyers for Re/mortgage
3. Our conveyancing fee is JUST £449.
4. How wealthy people pay less inheritance tax?

Home buying in England and Wales

Our Services Our Prices Peerless

Step 1: Check your credit report and score

Before contacting a lender, it is good idea to check your credit report. Below are the important factors those affect your credit rating.
• Payment history: Have you paid your bills on time?
• Amounts owed: What is your overall debt?
• Length of credit history: How long have you been borrowing money? Mortgage lenders like to see a long credit history.
• New credit: Have you applied for new credit?
• Types of credit: Lenders like to see a variety of types such as bank cards, car loans and student loans.

Step 2: Figure out how much you can afford

Decide how much you’re willing to pay. Just because you can qualify for a larger mortgage doesn’t mean you want to have that kind of payment each month. Use the mortgage affordability calculator to help determine what you can afford. Now is also a good time to research your housing market and start going to open houses in your prospective neighborhood to give you a good sense of what your money will get you.

Step 3: Get agreement in principle

It’s a smart move to get pre-approved for a loan early in your home search. Pre-approval requires the lender to pull the credit information (see Step 1) and asses your financial situation. The lender will then give you a letter that states the amount they would be willing to lend you. If you get in a multiple-offer scenario, being pre-approved may give you an edge because the seller will have more confidence that you will be approved for a loan large enough to purchase their home.

Step 4: Start looking at homes

Let the serious shopping begin! By now you’ve talked things over with your agent and you both know what you really want and need in a home. Armed with this, your price range and knowledge of the local area, look at listings online and with your agent, who will come up with properties for you to tour. Chances are you’ll discover some new things to love or hate about homes and refine your search.

Step 5: Viewing the home

If your offer called for a home inspection, this is a big day. Sure, you get to have a home inspector look over the home to make sure there are no unseen defects you want to negotiate to have fixed. But more importantly, this is the most time you’ll get to spend in your new home until closing. Go ahead and start measuring things and figuring out what goes where. This may be the last time you are inside the home until it is yours, several weeks from now.

Step 6: Make an offer and negotiate the asking price

Once you’ve found a home you want your agent will work with you to make an offer. Remember, the listing price is only a starting point. Your agent will understand the market and help guide you to make the most attractive offer, whether it’s below, at or above listing price. Are there any contingencies to your offer? Will you require an inspection? These are all things your agent will help you with. Once you’ve submitted the offer you get to wait. It will seem interminable. You may get neither a simple yes or no but a counteroffer to consider.

Step 7: Offer acceptance and mortgage survey

Mortgaging institution main aim is to ensure loaned amount would be recoved by selling the property if needed, so they see
1. Is the home worth you are paying?
2. Sign of structural damage, damp, problems with the roof, problems with wiring etc. Mortgage survey can provide an overview if you should go for home buyer survey. If you couldn't decided already. If they are pointing something specific, then you should consider that sincerely, reason dyou don't want to take any risk because of few hunderds £.

Step 8: Exchange of contract and completion

Once your mortgage survey and/or home buyer survey are in place and you are happy to proceed. You need to decide the contract exchange date and completion date. They can be the same date as well. However you can keep some time difference between the two. You must ensure all the money, which you should pay is there in account. Reason you can delay the paying the stamp duty by few weeks, but not your part in exchange and completion.

Step 9: Pay the stamp duty and ownership transfer.

You have 14 days from the completion date when you can pay the stamp duty without any interest or penality if you bought above the threshold. Current threshold for first time buyers is £125,000 for residential properties and £150,000 for non-residential land and properties. Make sure you check the HMRC latest law about the SDLT as HMRC keep on chainging from time to time.

Step 10: Think about will and making a trust

Writing a will and making a trust are not legal requirement. However they are efficient ways to manage your assets.
• A trust is a way of managing assets (money, investments, land or buildings) for people. There are different types of trusts and they are taxed differently.
• In a will you tell everyone, in legal way, what should happen to your estate (your money, possessions and property ) after you.

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