Buying your home

Buying your home is probably the most expensive investment that you will ever make so it pays to get the right advice. As one of the oldest and largest firms in the south west, we aim to provide you with a swift and expert service at a competitive price.

The steps involved when buying your home:

Decide how much you can afford to spend, how much you need to borrow and get a mortgage certificate from your preferred lender
Go house hunting
Find your ‘ideal home’ and make an offer
Your offer is accepted
Instruct Tozers LLP to act in connection with your purchase
See your chosen lender and apply for the mortgage
Property valuation carried out by your lender and if you have decided to have a survey, it will be carried out at this stage.
Tozers carry out any searches required and make enquiries about the property which you are purchasing
Additional search results received
Mortgage offer received (if required)
Meet with your conveyancer at Tozers to go through the contract and mortgage offer, or property report and contract sent to you for signature if preferred
Arrange buildings insurance to be in place from the date of completion
Pay a deposit through Tozers to your seller
When you are happy with the documentation, confirm the completion date with Tozers and your removal firm and instruct us to exchange contracts
Arrange for gas, electricity, water, telephone and council tax to be transferred into your name from the completion date
Sign the transfer, stamp duty forms and mortgage deeds relating to your purchase
The completion date arrives and you can move into your new home!
Tozers deals with Stamp Duty and registers the property into your name at the Government Land Registry

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To contact our Buying and Selling Team please call the number below or email one of our team.