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Time to make an offer
When you are sure you have found the right property, it’s time to make an offer. This is a big step and you want to make sure you are ready. Having answers to the following questions will make it easier for you:
- What is the maximum amount you can spend on your new home?
- What percentage of the property will you need a mortgage for (loan to value)?
- Have you pre-arranged your mortage with The Loughborough?
- What is your timescale for the move?
- How much are you willing to offer and how much are you willing to negotiate?
- Are any fixtures and fittings included in the sale?
- Talk to the estate agent to find out as much as possible, for example whether the seller wants to move quickly or has found a property to move to
Remember, estate agents work for the seller and are often trying to get the best deal for them rather than you.
When you make the offer, get in touch with the seller’s estate agent and tell them how much you would like to offer. If they don’t accept, you can increase the offer, but make sure it’s within your budget.How to apply
We like to make your life easier, call into one of our branches and talk to one of our friendly and professional staff. Alternatively, you can call us on 01509 631950 or request a callback at a time convenient to you.
It will help to have handy
- ID and proof of residency in UK
- Details of income for all applicants
- Particulars of property being mortgaged
