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Buying with Chartford

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Buying with Chartford

The Buying Process 

You can own one of our luxury Chartford Homes in just 7 steps.


1. Find a new home

Whether you know what you're looking for, or you're still looking around, this is the fun bit. To begin exploring all of our homes click below to see our development locations near you. Remember to book your showhome or site visit and go explore the location to get a feel for your potential new home. 
Our new homes you might like
2. Reservation 

You’ve found your new Chartford home, it’s important to reserve it to ensure nobody else makes a move on it. As soon as you give us the go ahead, we’ll take your new home off the market and start the sales process.


3. Instructing a solicitor

Having the right solicitor is the key to an efficient buying process. Which is why we nominate a solicitor we know you can trust and who is experienced in conveyancing in your chosen area. Your nominated solicitor will take care of all legalities from Local Authority searches, Stamp Duty and Land Registry. The more information you can give to your solicitor about the purchase, the quicker and easier the legal side will be.


4. Applying for a mortgage

Most people need a mortgage to buy a new home. If you’re not sure how to go about finding one, we can put you in touch with a nominated Independent Financial Advisor (IFA) who will weigh up your options and decide which mortgage is the right one for you. We recommend that you get in touch with the nominated IFA as early as possible, even before you reserve your new home, so that you know how much you can afford. Once you've found the right mortgage, try to get an application agreed in principle. Then, after you've reserved your new home, you can make a formal mortgage application - that new home is almost yours…
Buyer types
What type of home buyer are you?

Generally speaking there are three main types of home buyer: first time buyers and those who are currently renting. Those funding the purchase of a new home with cash from the sale of their current home and fnally, those who are buying a home outright using cash, often property investors and those interested in buy-to-let opportunities. Which one you are can determine some of the finance options and other factors you need to consider.
 
Finance options
What finance options are available?

Not only are there different types of mortagages available to fund the purchase of a new home. That means you need to be clear on the finance options available to you and how these can help fund your new home. Whatever happensthough, you will need a deposit saved and some additional funds available to cover legal expenses and stamp duty.
 
5. Selecting your colour choices

Once you’ve shared the good news that your mortgage has been approved, you can truly start making your new home, your own. With our superior range of interior design options you can get things just the way you want them. Depending on the build stage, you can now begin to select features like kitchen units, the colour and style of your tiles, and even the flooring in certain rooms. Just check with our sales advisor with regard to the available options.
 

6. Exchange of contracts

As soon as your solicitor is satisfied with the legal side of things, they’ll ask you to sign a Contract of Sale and you’ll pay your agreed deposit. Our solicitor and yours will exchange contracts, and it’s time to complete the sale


7. Completion 

We'll invite you to a home demonstration, where we'll show you everything you need to know ahead of moving day.  Meanwhile, the full amount for the purchase will transfer to our solicitors, and your solicitor will receive the title deeds from us. Once everything is legally completed, your new home is officially yours. Then all that’s left to do, is move in!


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