Buying a house is possibly the biggest financial commitment you will ever take on and it is thus essential that you find the right house in the right location before parting with your hard earned cash. Many people know their perfect house as soon as they see it, however it can take months to find a property that feels right so take the time to browse and view as many houses as it takes.

Finding your perfect house
You will probably have a good idea of what kind of house you are looking for when you start to trawl the newspapers, estate agent's windows and the internet. However you must be willing to compromise if you have a set budget in mind. Unfortunately house prices continue to rise and so you may not get as much for your money as you want. Therefore it may be beneficial to make a list of the essentials that your house and the local area must have, and a second list of what you would like to be included as extras.

Most estate agents today will look at your requirements and match them to the properties they have on their books and if nothing is suitable they can let you know when new houses come on the market. It is possible to buy a house without the services of an estate agent thereby saving you money, however the estate agent generally acts as a mediator between you and the seller and this can take a lot of the stress out of buying a house.

If you see a house you like then you should ask to view it as soon as possible, especially if it is in a popular area or if it is at the lower end of the price scale. Make sure you know a bit about the local area before deciding anything and check for the public facilities that you may need when you move in, e.g. schools, doctors, dentists, public transport links, shops etc. You can also check the local crime rates on the internet and see if any serious crimes have occurred in the last few years.

Putting in an offer
When you find a house that has everything you want at a price you can afford then you can put in a formal offer. This is normally done through the estate agent and most sellers will either accept or decline the offer straight away. It may be worth getting a mortgage in principle before making an offer as you may be disappointed if your offer is accepted only to find out later that you can't get a mortgage to pay for it.

Most estate agents have a financial advisor associated with them and this is another service that may be worth taking advantage of. They can research the available mortgages and choose the one that is best for you and your individual circumstances, plus they will arrange everything for you and all you have to do is sign on the dotted line! You will also need a solicitor to conduct all the relevant searches and surveys and although they can be expensive their services are a must. In fact between the three of them, the estate agent, the financial advisor and the solicitor should do pretty much everything for you and all you have to do is sign the contracts and, of course, pay for their services.

Hidden costs of buying a house
Many house buyers and especially first time buyers are surprised at the hidden costs of buying a house and most people start their life in their new homes paying off the debts they incurred when buying it. In addition to the mortgage there are expenses such as stamp duty which currently works out at 1% of the purchase price for houses valued at between £60,000 and £250,000 and 3% for houses over £250,000. There is also the valuation which can cost up to £150 and the survey which comes in at around £300 for a basic survey and anything up to £800 should you require a full structural survey. Next comes the conveyancing costs which include local authority and Land Registry searches and anything else that the mortgage lender may require to authorise the lending of the money. All together these costs and fees could amount to many thousands of pounds depending on the price of the property that you're buying, and so you will need to include these in your budget.

Once you have completed the purchase, you may still find that you need some extra cash for things such as the removal van, the cost of new locks on the doors, a storage unit for things you're not sure you want to keep but don't particularly want to get rid of, and any urgent repairs that need doing to the house. A lot of buyers neglect these small but significant costs and find themselves borrowing extra to pay the unexpected bills. It pays to have a reserve fund that you can dip into when such extras come up.

Conclusion
Buying a house can be a very stressful time. However by using the available services of estate agents and qualified financial advisors a lot of the stress and worry can be taken away, leaving you free to plan your big move and focus on the important things like buying curtains and deciding where all the furniture is going to go! By having adequate funds in the bank to pay for all the hidden costs you can be sure that money isn't going to be a problem as these occur. Once in your new house you'll soon forget all the worry and chaos that got you there and you can enjoy the experience of making your house into a home.

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06 May 2008
Debt problems? Stop repossession with a quick sale and ..
We offer a 28 day turnaround service whereby we can make you a cash offer for your property, purchase it from you and rent the house back to you all within the space of a month. our service has helped hundreds of people to successfully avoid repossession and remain in their hom. .
04 May 2008
BEAUTIFUL 3 BEDROOM FAMILY HOME..
Fraser crescent trinity, eh5 2an fixed price £205,000 well proportioned semi detached villa in popular residential area. hall, livingroom, fitted kitchen/appliances, 3 bedrooms, showerroom, storage attic. large private gardens front/side/rear, monoblocked driveway. doubl. .
£205,000
EH5
02 May 2008
Facing repossession? Get a quick sale and rent back you..
Please visit webuynationwide. co. uk for more info.
01 May 2008
INVESTMENT OPPURTUNITY..
3 bedroom house for sale with planning permission to convert to 2 flats. this property is in an ideal location close to both the town centre and mainline train station. the drawing is of the approved plan. the property currently consists of: 3 bedrooms 2 reception . .
£299,950
GU23
30 April 2008
Are You Threatened With Repossession ?..
If you are in arrears with your mortgage repayments or you have had letters from your mortgage company threatening eviction then we can help you. even if you have been given the date of a court hearing or are in receipt of an eviction notice you can still take control of the sit. .
N6
PRETTY 3/4 BED VICTORIAN FORMER FARMHOUSE..
In large garden plus 3/4 acre paddock for sale outside village of guyhirn, wisbech, cambridgeshire, pe13 4aa. £245,000. 3 receptions, upstairs and downstairs shower/bath rooms, utility room, tack room, recently fitted kitchen, oil heating, enclosed tree screened and fenced. .
£245,000
29 April 2008
Fixed Price 3 Bedroom Semi, Kirkcaldy, Fife..
Built in the early 1900s, this property is set over two levels with accomodation comprising entrance hallway, lounge, dining room, breakfasting kitchen, three bedrooms, mezanine level family bathroom featuring an electric shower and whirlpool bath. the large lounge has a wooden . .
£169,950
KY1
21 April 2008
Cash property buyers want to give you a quick sale toda..
Please visit our website today at for more information and to submit your free no obligation cash offer for your property. .
20 April 2008
4 bedroom detached house for sale..
An outstanding "bryant home" 4 bedroom detached house. large utility room/study. 2 bathrooms/shower rooms. two reception room. cloakroom. kitchen/breakfast room. gch fully double glazed. double garage. sizeable front and large l shape back garden. located in a mostly sought afte. .
CM13
17 April 2008
Victorian terraced property...
Offered for sale chain free, is this victorian terraced property being situated very close to archway underground (northern line). the property is arranged over four floors, basement, raised ground, first and second floor, and is currently let as eight bedsits/rooms and regulate. .
£610,000
N19
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