Buyers Guide

Step 1: Arranging your mortgage

Before you begin your property search, it is advisable to arrange your finances and, if required, have a mortgage agreed in principle. This will confirm how much money you will have to fund the purchase, which will ultimately influence your property search. Our in house mortgage advisers would be happy to assist you with this.

Step 2: Finding a property

The first step to finding the right property is to register with Coopers by calling or visiting one of our 7 branches where you can discuss your property requirements with one of the team. Once we have an understanding of your requirements you will receive a selection of properties that match your criteria. The team will also keep you up-to-date via email when suitable properties become available.

Step 3: Viewings

Coopers trained and experienced staff are on hand to accompany viewings and will be able to provide insight on the local area and the property itself. Second viewings are advisable if you are considering making an offer on a property.

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Step 4: Making an offer

Once you have identified a suitable property we will put your offer forward to the seller both verbally and in writing. We will aim to get as much information from you before putting your offer forward to our client such as your financial situation and if you need to sell a property to proceed.

Step 5: Offer agreed

Once your offer is accepted we will: prepare a memorandum of sale, write to all parties to confirm the agreed price, ask you to provide your solicitor's details (we can provide recommendations) and mortgage broker's details. You will then need to instruct your solicitor to proceed with the conveyancing process and your mortgage broker to proceed with your application.

Step 6: Conveyancing

As part of the conveyancing process your solicitor will: raise any enquiries on receipt of the draft contract from the seller's solicitor, request local searches, refer to the information provided in the seller's Home Information Pack, agree on a date for exchange of contracts.  We will keep you informed every step of the way.

Step 7: Survey and mortgage offer

A survey of the property will be booked by a surveyor on behalf of the mortgage lender to identify any structural problems and advise on the property's value. After the mortgage valuation report is received, a formal mortgage offer will be sent to you and your solicitor which you will need to sign before it is returned.

Step 8: Exchange of contracts

Exchange of contracts occurs when all enquiries have been confirmed and agreed. Once the contract has been signed by both parties the deposit (usually 10% of the purchase price) will be telegraphically transferred or paid in the form of a banker's draft from your solicitor to the seller's solicitor. The completion date is then set by mutual agreement.

Step 9: Completion

Completion is when the funds are transferred from your solicitor to the seller's solicitor's account. We will release the keys to you once the money has cleared in the seller's account. Congratulations, you are now the legal owner of your new home!

Have a question? Give your local branch a call 01895 625 625

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Property search

Valuation type
Full management Rent collection
Market Advice & Marketing Strategy
Comprehensive Marketing
Accompanied Viewings
Negotiation of Tenancy
Tenant Referencing
Organise Initial Gas Safety Certificate & EPC
Arrange Inventory
Rent Collection
Provide Monthly Statements
Carry Out Rent Arrears Procedure
Check Smoke Alarms on Tenancy Commencement
Carry out Right to Rent Immigration Checks
Transfers of Utilities
Key Holding
Arrange Repairs & Maintenance
Payment of Outgoings
Managing the Check Out Process
Advising on Deposit Deductions