Buying a Property in Bournemouth? Here Are the Steps to Follow
Bournemouth is a famous seaside town on the south coast of England. The city is situated in the county of Dorset and is well known for its striking coastline, sandy beaches, and vibrant nightlife. It’s no surprise then that Bournemouth is a popular destination for property buyers from the UK and overseas.
If you’re thinking of buying a property in Bournemouth, there are a few things you need to know. In this blog post, we’ll take you through the steps you need to follow to ensure your purchase goes smoothly.
Choose Your Location Carefully
Bournemouth is a large town made up of several different districts, each with its own unique character. From the chic West Cliff area to the more relaxed East Cliff, there’s something to suit every taste. It’s essential to spend some time researching Bournemouth’s different regions before deciding where to buy. Think about what’s important to you – do you want to be close to the beach? Near good schools? In a lively area with plenty of bars and restaurants? Once you’ve decided on your ideal location, you can start searching for properties in that area.
Get Your Finances in Order
Before you start looking at properties, it’s important to get your finances in order. This means getting mortgage approval in principle from a lender. This will give you an idea of how much money you’ll be able to borrow and, therefore, what type of property you can afford. It’s also worth noting that Bournemouth is classified as a ‘high-priced’ area by most mortgage lenders, so you may need a larger deposit than usual – typically 10% or more of the purchase price. Once you’ve got mortgage approval, you’ll need to open a bank account with a local branch to make any payments during the buying process (such as the reservation fee).
Find a Good Solicitor
Once you’ve found a property you want to buy, it’s time to find a solicitor who can handle the conveyancing (legal transfer of ownership) process on your behalf. It’s advisable to use a solicitors firm experienced in handling Bournemouth property purchases such as AVRillo, as they’ll be familiar with any potential issues that could arise during the process. Some of the services conveyancing solicitors offer include:
- Negotiating the purchase price with the seller’s agent
- Carrying out local searches to check for planning permission or environmental issues
- Dealing with the Land Registry to register you as the new owner of the property
- Dealing with the transfer of money between the buyer and seller
- Obtaining a copy of the title deeds
- Make an Offer
Once you’ve found a property you want to buy, make an offer to the seller via their estate agent. Your offer will be communicated to the seller, who will then decide whether to accept, reject, or counter-offer. If your offer is accepted, the estate agent will draw up a formal ‘contract of sale, which will be sent to your solicitor.
Exchange Contracts
After the seller has accepted your offer, it’s usually ‘subject to contract.’ This means that nothing is legally binding until contracts between buyers and sellers (usually via their solicitors) have been exchanged. You’ll need to pay a reservation fee at this stage (usually around 10% of the property purchase price), which secures the property for you and shows the seller that you’re serious about buying it. If everything goes smoothly from here, contracts will be exchanged, and completion will usually take place within 8-12 weeks.
Moving Day!
On completion day, property ownership will legally transfer from seller to buyer, and it will be time for you to move in! Once all the paperwork has been completed by both parties and any outstanding payments have been made, keys will be given to you, and you’ll finally be able to enjoy your new home in Bournemouth!
Conclusion
As long as you follow these simple steps, buying a property in Bournemouth should be relatively straightforward! Just remember to take your time, research, and use reputable solicitors and estate agents familiar with the local market.
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