We professionally balance the duty of care we have to both our buyers and our sellers
Firstly, we are appointed by our client, the vendor, and as such have a duty of care to that client, always acting in their best interest with a view to obtaining the best price for them. However, we do all we can to find the right properties for our buyers and treat them with transparency, fairness and respect. We cannot make a buyer pay more than they think a property is worth, but we can advise on its value, assess how right a property is for them and endeavour to negotiate a price satisfactory to both the buyer and the seller.
We must be good at this - we have moved thousands of people over the years and many buyers as well as sellers come back and use us again, recommending us to their friends and family along the way. Read comments about our service on our Testimonials page.
The First Step: Find out what you can afford
If you are looking to buy a property, whether it's your first home or you're looking to move up or down the property ladder, your first priority should be to seek financial advice. If you need a mortgage, finding out how much you can borrow and how much you can afford, before you start the house-hunting process will help give you a much clearer picture of the type of property you should be looking for and help avoid possible disappointment should you fall in love with a property that is unobtainable financially.
Curchods Mortgage Services offer a range of mortgage broker services, we can look at the whole of market, including a few lending options that are not available on the High Street to help you find the right financial product for your needs. Visit our Curchods Mortgage Services page for more information.
Stamp Duty Land Tax (SDLT) is a Government tax you must pay when you purchase a property. It is calculated along the same lines as the current income tax thresholds i.e. buyers will pay the percentage amount on the value of the purchase that sits within the following limits:
- Nothing to be paid on the first £125,000
- 2% on the portion between £125k and £250,000
- 5% on the portion between £250k and £925,000
- 10% on the portion between £925k and £1.5 million
- 12% on everything above £1.5m
The Government imposes an additional 3% Stamp Duty payable on the entire purchase price, in addition to the standard stamp duty rates, if you will own 2 or more properties upon completion. If you sell your current residence after you purchase your new replacement main residence, you will still have to pay the additional 3% stamp duty on completion of this purchase, but you are able to get a refund from the HMRC If you sell your current property within 3 years of this purchase.
You can work out how much SDLT you will have to pay on your next purchase on the HMRC website, visit www.hmrc.gov.uk/tools/sdlt/land-and-property.htm
As a buyer, do you also have a property to sell?
If you have a property to sell before you can buy another, we strongly recommend that you start by obtaining a current market appraisal for your existing property before you start the search for the new one. Curchods provide a valuation service for those thinking of selling, this service is completely free and without any obligation.
This service applies anywhere within the UK, through our associate members of the National Association of Estate Agents.
Our Discreet Marketing service is available to our vendors, so their property is never advertised online and no For Sale board goes up outside their house. As a result only a fraction of the properties we have for sale are advertised on our website.
We don't rely on the internet to sell properties, selling to us means means more than simply sticking an advert on the internet and waiting for the phone to ring; we look at each buyer's requirements and match buyers to properties that are right for them, which means introducing them to any discreetly marketed properties we have for sale.
We would encourage you not to search solely online but come and talk to us! You can pick up the phone or use the Register Your Buying Requirements form on our website and your details will be passed to your local branch.
We look forward to helping you find your next home.