Haven't done it before. We have found a suitable property in our price range. recently refurbished throughout. No chain, can move in asap presuming all goes without a hitch. After some significant playing around we have come to an amicable price, and have an accepted offer. We have an agreement in principle from Natwest but i'm not happy with the deal, so we are going to seek further advice. We have a 10% deposit ready and solicitors fees ready to go. No stamp duty to pay.
I like the house because all the boring kitchen/bathroom/decorating has just been done, but i have a nice little outhouse type thing which with a bit of work can be a nice bike workspace and storage area, and there is loads of space in the garden for the mrs to go mad with flowers and trees and stuff..
I'm uncertain as to the correct procedure with this. Can anyone clarify?
Next Procedure:
- Mortgage adviser - find a more suitable mortgage deal. HSBC seems to be the best we can find currently, but hoping an adviser can do a little better.
Solicitor - Once the mortgage stuff is sorted the solicitor does their thing (whatever that might be??).
Surveyor?
Get mortgage finalised
exchange contracts
Move in.
- Council tax - how do we go about setting up payment for this?
Gas/electricity
Water - house is currently not metered, what do people think about meters?
Internet (not wanting a phone line, going with virgin media)
Then of course there is sundries which we already have in place(food, phones, vehicle stuff, etc)
At what point do we start putting the items from the bills list in place? Obviously we need some of it before we move in. Once the mortgage is finalised seems logical to me?
Thanks for any help!
Dale