Comprehensive Property Viewing Checklist

When you’re on the quest for your dream home, property viewings are a crucial stage. They provide the opportunity to evaluate each property’s potential and identify any potential issues. However, it’s easy to be charmed by initial impressions or miss important details. To ensure you capitalise on each viewing and gather all the necessary information, here’s a thorough checklist for prospective homebuyers.

1. Examine the Structure: Take a close look at the overall condition of the property. Look for large cracks in walls, uneven flooring, and any signs of water damage. Don’t forget to inspect the condition of the roof and any external structures.

2. Plumbing and Electrics: Test taps, showers, and toilets to check water pressure and drainage. Check the electrical system by testing light switches and plug sockets. Don’t forget to enquire about the age of the plumbing and electrical systems.

3. Windows and Doors: Ensure all windows and doors open and close smoothly and check for signs of dampness or rot, especially in wooden frames.

4. Heating and Cooling Systems: Ask about the age and condition of the heating and cooling systems. If possible, test them to ensure they’re functioning efficiently.

5. Storage Space: Evaluate the storage options within the property. Are there enough cupboards and wardrobes for your needs? Is there additional storage space such as a loft or cellar?

6. Outdoor Areas: If the property includes outdoor space, assess its condition and consider maintenance requirements. Check for any external issues, such as shared access or boundaries with neighbouring properties.

7. Natural Light and Ventilation: Pay attention to the amount of natural light and ventilation each room receives. This can greatly affect the atmosphere and energy efficiency of the home.

8. Noise Levels: Listen for external noises during your viewing. Spend time in different areas of the property to get a sense of the noise levels at various times.

9. Neighbourhood and Location: Assess the property’s location. Check out the neighbourhood, proximity to amenities, transport links, and overall atmosphere.

10. Future Potential: Consider any potential for extensions or modifications. Does the property have space or the flexibility to evolve with your needs?

By keeping this checklist in mind during viewings, you can approach each property with a critical eye and make an informed decision. Remember, a thorough property viewing is a key step in finding not just a house, but a home that fits your needs and aspirations.

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FINANCIAL SERVICES

Finding a mortgage

Buying a house is a massive investment and getting it just slightly wrong can be costly. Unless you have big savings, chances are you’re going to have to get a mortgage. It’s a loan secured against the property which means if you can’t meet the repayments the lender may repossess your home and sell it to get their money back.

The better you understand mortgages and everything to do with them, the better armed you will be to get the very best deal. With MMR in place, you’ll need to review your finances themselves before approaching possible lenders to see whether you can afford the monthly payments now and if interest rates go up, which they will…

What is MMR?

When it comes to finding a mortgage you have several options: mortgage brokers, individual banks or searching online. Again, it’s important to do your research. Searching online first, gives you a good idea of what’s available, but an independent mortgage broker can provide a more in-depth search and help you through the process. Being independent holds great value as they are not bias to any particular lenders or deals, they will give you their honest opinion and take away the stress of working your way through the mortgage market, they work for you to find you the best package to suit your requirements.

For more information on the current mortgage rules and deals, contact your local branch today to arrange an appointment.

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