Guide
Buyers Guide
We love what we do. We have a passion for matching buyers with the very best homes in the areas we cover. We listen to your requirements, to your budget and to your personal story to help identify properties that meet your needs.
All our staff are local to the area so who better to lend a hand when looking for the best schools, transport links and the best amenities! Our local knowledge will help you source the right home for your needs.
Below is a brief guide to the buying process. Whether you're a first-time buyer or seasoned property investor, we're here to make your journey as smooth as possible.
Our Website
The first port of call is the Banc website, where every property is detailed with exceptional photos and floor plans, location and amenity maps. We make it our business and our pleasure to know the areas and properties intimately so we can extend our knowledge to you.
Top Tip
Speak with your financial adviser to determine an appropriate budget before starting your search. Having a mortgage 'agreement in principle' at this point is advantageous when you do actually make an offer. Speak with us and we can point you in the right direction.
Let's Talk
Give us a call or pop into our prominently positioned office on the high street for a coffee and a chat. We will be able to answer all of your questions about property types and styles in the area, buying costs and we can recommend local financial and conveyancing services, and more importantly arrange viewings for you. We can also discuss our 'discrete marketed' properties which are not available online, but exclusively to our registered clients.
Top Tip
Make sure you are aware of all relevant costs such as mortgage fees, survey fees, conveyancing, stamp duty charges and removals. Let us know if you need a refresher on any of them.
Arranging Views
Once you have identified some potential properties, we will take you to view them. We do offer a pickup service from the station if you are popping out to view after work. Let us guide you round the beautiful houses and local area.
Top Tip
It's easy to let your heart rule your head so be prepared with a checklist and questions before you visit the properties.
Make An Offer
Seen a property you like? Make an offer! All offers from qualified buyers will be presented to the seller without delay. We do our very best to get a price that satisfies both you and the vendor.
Top Tip
It can be hard when deciding how much to offer, but always make sure the offer you are making is viable, and that you are able to support it.
Offer Agreed
Congratulations! It's almost time to bring out the champagne, but not quite yet. Communication is the key to a successful purchase. We stay in touch with you, the sellers, solicitors, surveyors and mortgage advisers to ensure your purchase proceeds as quickly as possible. Don't worry – we are there the whole way through to guide you and assist in all aspects of the process.
Top Tip
When an offer is agreed you will need to instruct your solicitor and mortgage lender in order to progress your case.
Exchange
This is when signed contracts are exchanged between your solicitor and the seller's solicitor. This is also the point when your deposit, normally 10%, is transferred to the seller's solicitor and a moving day is set. At this point, the transaction becomes legally binding.
Top Tip
Make sure you take this time to confirm removals, redirect post, call the cable man and organise utilities.
Completion
Now the bubbly can be taken off ice and enjoyed on moving day in your new home. To make it easier for you, we aim to be there at your new home with the keys instead of you having to detour to our office to collect them.
Top Tip
Look out for our moving in surprise soon after completion.
Finance
Mortgage Advice
We work with independent mortgage advisers who can help you find the best deal for your circumstances. Getting your finances in place early puts you in a stronger position when making an offer.