The Buying Process With JGL

JGL’s step by step guide will ease you through the process of buying a property.

  1. Register With JGL

    Register now with JGL  Our knowledgeable agents will be pleased to discuss your individual requirements with you.

  2. Property Search

    All available properties can be viewed through our website, together with full colour individual property brochures available from our office, or via Email. JGL will pro-actively notify you by phone or Email when properties matching your criteria appear on the market, for your convenience. Please see About Us section for further details about the local area.

  3. Seek Independent Mortgage Advice

    Organising finance takes time, so apply in advance to reduce the risk of missing out on your dream home.

  4. Accompanied Viewings

    JGL’s offices and phone lines are open from 8.45am to 5.15pm Monday to Friday and on Saturday between 10.00am and 1.00pm. Viewings outside these hours are available by special arrangement.

  5. Making An Offer

    Having identified a suitable property, JGL will immediately inform the seller of your offer, both verbally and in writing. Until the contract is signed, there are no legal obligations for you or the seller.

  6. Instructing A Solicitor

    You will need to instruct a solicitor to handle the legal paperwork (conveyancing) required to complete the purchase of the property. We advise you to use a solicitor who knows the area where the property you are purchasing is located. JGL are happy to recommend a selection of tried and tested solicitors who specialise in conveyancing.

  7. Sale Agreement

    Once your offer is accepted, you will need to instruct your solicitor to proceed immediately. You should enquire about likely exchange and completion dates at this stage. You should also instruct your mortgage broker to proceed with your mortgage application and make arrangements for a survey.

  8. Searches & Surveys

    A draft contract will be drawn up by the seller’s solicitor and sent to your solicitor. Your solicitor will request their own searches. A survey of the property will also be conducted on behalf of the mortgage lender, to identify any structural problems and to determine the value of the property.

  9. Contract Approval & Mortgage Offer

    Contract Approval

    The draft contract will be approved by your solicitor when the results of the local searches outlined above are received, providing no further enquiries are necessary.

    Formal Mortgage Offer

    The formal mortgage offer document will be sent to your solicitor for you to sign. Once signed and returned, your mortgage is in place and you are ready to exchange contracts.

  10. Exchange Of Contracts

    The contract needs to be signed by you and the seller. The deposit (usually 10% of the purchase price) will be transferred electronically or paid by your solicitor in the form of a banker’s draft to the seller’s solicitor. The completion date will then be set.

    At this stage, you will need to begin making practical arrangements for moving, including booking a removal firm, contacting the utility companies, informing the Council Tax authority and instructing Royal Mail to re-direct your post.

  11. Completion

    The completion date is agreed between you and the seller. It can be any date after exchange of contracts, to suit each party’s personal requirements. The outstanding money (usually 90% of the purchase price) will be transferred from your solicitor to the seller’s solicitor’s account upon completion.

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