Buying Guide

We know what a minefield buying a property can be so we thought it would be helpful to provide you with a quick guide to each stage in the process.

Register with Taylor Engall
Viewings
Making an Offer
Negotiation
Agreeing the Sale
Initiating the Purchase Process
Costs involved in buying a property

Register with Taylor Engall

Register with us and let us know as much as possible about the type of home you are looking for.

You can register with us either online, by phone 01284 725800 or by visiting our offices on Churchgate Street, Bury St Edmunds.

Once you have registered with us we will search our properties for the best match to your criteria, and then send the details of our properties to you. You can choose to have these details sent to you by email or in the post, just let us know when you register.

Don't forget you can also do your own searches whenever you wish using the search form on the left. Our property searches will show you all the latest properties we have on offer for Taylor Engall, Fine Living and TE properties.

Viewings

Unlike many agents, all our staff visit each property we have for sale, so they have first hand knowledge of what the property has to offer.

We can arrange viewings Monday to Friday from 9am - 8pm and on Saturdays from 10am - 5pm.

To book a viewing call 01284 725800 during office hours or alternatively book online.

We will usually accompany you on all viewings as the vendor will not always be present. We can either arrange to meet you at our office and take you to the property for viewing or meet you at the property if that is more convenient. We do ask our vendors to be flexible but sometimes specific times for viewings will be stated, however, we will always try our best to organise viewings at a time convenient to you.

The day after a viewing, we will give you a call to see if the property met your requirements.

Making an Offer

When you have found your ideal property and you want to make an offer, simply give us a call and let us know:

  1. the amount you wish to offer
  2. your purchasing position (for example if you are a first-time buyer, if you are trying to sell an existing property or if you have accepted an offer on your current home)
  3. the full details of your financial situation in regard to the purchase, including who will provide and arrange your mortgage (if applicable) and what percentage will be lent, how much deposit will be provided and whether these funds are encumbered in any way. Don't forget we can offer you mortgage advice too
  4. if you have any timescale requirements

If there is another party making an offer on the same property you will be kept informed.

Negotiation

Any offer received will be put forward to the property owner and you will be informed of the owners' response as soon as they have made one.

If your initial offer is rejected and you decide to increase it, we will be happy to notify the vendor of your new offer and will let you know their response.

Agreeing the Sale

If your offer is accepted, Taylor Engall will need to check your purchasing status. In order to do this, we will require, the contact details of your broker or mortgage lender, and any estate agent dealing with your current property sale.

You will need to instruct a solicitor to act on your behalf in the purchase. If you are looking for a solicitor we would be happy to recommend one.

Initiating the Purchase Process

When you are buying a property your solicitor will communicate with the seller's solicitor to ascertain exactly what is included in the agreed price. It is not unusual for the agreed price to change (for example because it did not take into account fixtures and fittings). Clarification of these details by your solicitor will prevent delays and ensure that both parties are in agreement.

Costs involved in buying a property

You will need to allow for the following costs throughout the process:

  1. solicitor or licensed conveyancer
  2. mortgage lender fee
  3. independent survey
  4. Land Registry fee
  5. Search fees
  6. Stamp Duty
  7. Buildings and content insurance
  8. Service charge and/or ground rent if buying a leasehold property

If you would like a further explanation of any stage in the buying process please do not hesitate to contact Taylor Engall where one of our representatives will be happy to help.

Tel: (01284) 725800
Email

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