Buying your home is probably one of the most important steps you will take towards the future. As the area's leading Independent Estate Agent, we are here to make it as easy and stress free as possible. We will provide you with all the help and guidance you need to see you through.   Take some time to think about what you can afford and what exactly you are looking for. Camerons Stiff & Co can recommend local solicitors and independent financial advisors to help you. You will need to think about location, age, character, size and style. Decide on number of rooms, location, whether you need a garage, transport facilities, leisure facilities and schooling.   Once you have found what you are looking for, make a 'sensible' offer on the property you have chosen. When your offer has been accepted, let your solicitor know. He or she will ensure that the sellers solicitor prepares a draft contract of sale, and at the same time carry out the searches. Please remember that there is a government tax for purchasing property known as "stamp duty" this is currently: up to £250,000 - 1%, £250,000-£500,000 - 3% and over £500,000 - 4% of the purchase price agreed. Surveys will now need to be arranged through your mortgage lenders before a mortgage offer can be made. There are three types of survey - 1) Valuation Survey, 2) Housebuyers Report, 3) Structural Survey. The mortgage valuation is conducted to ensure that the property you wish to purchase is suitable security for the amount you wish to borrow. The main points to note, however are that you will to formally instruct a solicitor and also pay the lenders fee to cover the cost of having the property valued.
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