Selling up and buying a new home is an exciting time for any homeowner. The idea of a new dream house and all that may come with it is alluring enough that thousands of homeowners put their houses on the market every day, hoping for a quick sale.
It’s no secret that selling and buying houses is an expensive business, and it will be one of the most important financial decisions you will ever make in your life – so it pays to get it right.
There’s nothing wrong with wanting to do some bits of the saleyourself in order to save money, but there are certain processesthat you should not try to carry out. Read on for three jobs that should be left to the professionals, and two that you can easily do yourself.
Organising Your Mortgage
Put simply, you cannot organise and sort out your own mortgage.
You’ll need to visit a professional mortgage advisor, such as the helpful team at drakemortgages.co.uk, so that they can go through your finances and establish what your budget could or should be, and see what packages are available to you.
Packages will change depending on your financial situation,including how much of a deposit you have and what your employment status is.
A mortgage advisor can go through all of this with you and simplify what is a very complicated process.
Another complicated process in house-selling (and there are quite a few of them) is that of conveyancing.
Solicitors who have been specifically trained to deal with house sales well understand the importance of making sure every piece of documentation is correct.
This means going through the land registry, organising the deeds, looking at outstanding insurances and processing documents to make sure the sale is legal and above board.
This is definitely a process that you should not attempt yourself.
A survey may or may not be a requirement for buying a house, but if the house you are buying is over 20 years old, it may be financially worth it to get a survey done.
Don’t try and do this yourself, have a look for a RICS-certified surveyor who can perform this task for you.
Have you ever looked on estate agent websites to see the terriblestate of some of the photos taken?
Wonky photos, dark photos and photographs showing old Tesco’s carrier bags on the worktops are what you want to have associated with your house sale!
While you may have never wanted to be a project manager in your career, if you’re going to be selling your house you will need to get used to chasing people up, as well as keeping an eye on deadlines and making sure that everyone is doing their job effectively.
You’re paying people, it’s time to get your money’s worth!