Throughout the home buying process, and afterwards our customer service team will support you to ensure you can relax and enjoy your new home!
1. CHOOSE YOUR PERFECT NEW HOME
The home buying process starts with you choosing your perfect new home. To view our current developments, click here.
2. SECURE YOUR MORTGAGE IN PRINCIPLE
The next step is to secure your mortgage offer in principle. At this stage SJ Roberts can introduce you to our recommended mortgage advisor who can help you secure a competitively priced mortgage and recommend a convenyancing solicitor.
Check your affordability now with our Mortgage Calculator
3. HELP TO BUY
Apply for a Help to Buy home equity loan if you need one. With a Help to Buy Equity Loan the Government lends you up to 20% of the cost of your newly built home, click here to learn more.
4. REVIEW ALL COSTS
At this stage we recommend that you review all of the costs associated with your home move including mortgage arrangements fees, stamp duty and conveyancing fees for example.
5. RESERVE YOUR NEW HOME
You can now secure your new SJ Roberts home with a £500 reservation fee. With your new SJ Roberts Home secured you will have 42 days (6 weeks) to exchange contracts.
6. INSTRUCT YOUR SOLICITOR
With your home nearing completion you can commission your solicitor to complete the necessary paperwork and a valuation surveyor (typically through your mortgage provider), this survey will confirm to your mortgage provider that your new home is worth the price you are paying, and with this in place they will confirm your mortgage offer.
7. EXCHANGE CONTRACTS
With all your paperwork in place we can now exchange contracts. With the exchange of contracts both parties (you and us) are legally bound. This means we have both entered a legally binding contract under which you (the buyer) agree to buy the house and SJ Roberts (the seller) agree to sell the new home to you.
8. PAY DEPOSIT
To complete the exchange of contracts you will need to pay a 10% deposit, this fee is held by your solicitor until the completion stage. At exchange, a provisional completion date will be agreed allowing you to organise removals, though once we have exchanged contracts we recommend that you put buildings insurance in place to cover the structure of the property.
This is the most exciting stage – completion! On the day of completion, the money and the deeds of the property are transferred between each side’s conveyancer or solicitor. You can now collect your keys!