January is the ideal time of year to put things in order. Many people clear out their home, allowing them to enjoy a decluttered state for the opening months of the year. If you are planning on making changes for New Year, you may consider moving home. A lot of buyers make a New Year’s Resolution to move home, and you can speed up the process by ensuring you have all the documents you need.
Buyers should expect an estate agent to ask them to confirm their identity, and this is standard practice. Agents need to undertake due diligence, and they have a legal duty to ensure the buyer is who they claim to be. If you plan on meeting an agent as part of the house buying process, make sure you take one or two items from the following lists:
Proof of name
- A current passport
- A photo driving licence
- Benefits book or state pension book
- Current tax bill from your local authority
- A recent mortgage statement
- A bank statement
- Utility bill
Proof of address
You should also expect an agent to ask for proof of funds, and this will likely occur at two different stages.
Items you can offer to indicate you have sufficient funds to buy a home include a mortgage in principle, bank statements indicating you have the deposit amount, a bank statement showing you have sufficient cash for your proposed move, evidence of a property sale if you are using this money to fund the purchase or proof money has been gifted to you.
We know buying a home is stressful, and there is a lot of administrative work to take care of. We have helped many Stockport residents buy their home, and we are more than happy to take you through the process from start to finish. We are pleased to say we work closely with vendors too, so if you are looking to find a home that is perfect for your needs, we have many on offer.
Our experienced team knows the paperwork and administrative aspects associated with buying a home. If you have any concerns about these matters, or you would like guidance to ensure you have everything you need, please get in touch with Spencer Harvey. We believe 2020 is going to be an active year in the property market, and we want to help you achieve your property goals.
With convenient transport links to the centre of Manchester, and significant developments taking place, Stockport is the ideal place to buy, live or invest. As Stockport property specialists, we want to ensure you stay in touch with the latest property news. If you are looking for assistance in this area, give Spencer Harvey a call on 0161 480 8888 or send us an email at info@spencerharvey.co.uk. For a free valuation please visit: https://www.spencerharvey.co.uk/valuation-enquiry.html