Determining your budget is the key place to begin. You’ll then want to start getting your finances in order so you can decide how you’ll buy your new home. Ways to Buy can help with this step. Next comes the logistical things, like deciding which area you want to move to and what kind of home you’re looking for. For more help and advice, it’s worth getting in touch with our expert sales teams.
Normally you’d need at least 5 – 15% of the sale price of a house for the deposit. You’ll also need to take into account costs for things like solicitors and removal fees. Learning which St. Modwen Homes scheme is right for you can help provide a better idea of figures. You could also contact an independent financial adviser such as Mortgage Advice Bureau.
You’ll need to think about things such as Government fees, mortgage registration fees, moving costs, and ongoing property costs. Take a look at our Homeowner budgeting guide for more.
Getting in touch with a local Independent Financial Adviser or Mortgage Adviser is the best place to discover the mortgage that’s right for you.
Yes. Searches are enquiries made by your solicitor and are a fundamental part of the homebuying process.
Yes. Buying a home can be complex, so finding a good conveyor to help oversee the process is essential. They will be there to consider things like the agreements for new roads or maintenance of common spaces on the development, as well as looking after your contract.
Yes. A survey on a new build will highlight if there are any snagging issues, which we’ll be able to resolve ahead of your move in date.
Your deposit will be required at the exchange of contracts.
Your completion date is based on the build programme of that home, and is something the site manager or sales consultant will run through with you.
Your sales consultant will be with you on every step of your buying journey, keeping you updated on the progress of the build. If there is any delay, they’ll let you know as soon as possible.
Insurance will be needed in time for your completion date.
You’ll be handed your keys on the day of completion, once the funds have cleared the bank.