Brian Morton Solicitors First Time Buyers Guide:

1.Firstly, talk to your Lender or Mortgage Broker about your potential mortgage amount.

2.Decide on what type of home you would like: Apartment, House or Duplex before you go looking.

3.To find your home, hunt the newspaper property pages, surf the net and register with Estate Agents.

4.When you find your ideal home make an offer. Negotiate. When you agree a price you will pay a booking deposit, which is refundable up until you sign the contracts.

5.Your lender will instruct one of their valuers to inspect the house to ensure that the house provides adequate security for the mortgage.

6.You will receive a Loan Offer Letter when your application is approved by your lender.

7.Your Solicitors Brian Morton & Company will receive Contracts and copy Title Documents from Seller's Solicitor.

8.Brian Morton & Company will investigate Vendor's Title, planning and conveyancing documents.

9.When you have signed and executed your contracts, you will now be ready to pay the rest of your deposit (usually 10%).

10.Brian Morton & Company Solicitors will guide you through this process. You now have a binding contract.

11.Brian Morton & Company Solicitors and your mortgage adviser will work together to complete the formalities of your loan offer.

12.In order for the loan cheque to issue, you will need to arrange house insurance and life assurance.Your broker can arrange this for you or you can do   this independently.

13.The lender will give the loan cheque to Brian Morton & Company Solicitors who will then complete the closing of your purchase, receiving all deeds, Title Documents and keys.

14.Now you will receive possession and start enjoying your new home.

15.A Good Time To Buy