Buying Guide
Hannells will
help find the right property for you,
arrange viewings, negotiate the price
and progress the sale through to exchange
and completion -giving you at least
a once-weekly update. Our friendly and
professional staff will be more than
happy to help and advise you.
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Important questions when buying a house
How long has the property been for sale?
What is the average selling time? If
the property has been on the market
for a lot longer than the agents average
selling time then you have to wonder
why. Is it because the price is artificially
high? Is there a problem with the location?
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Building inspection
Do you need to buy the building subject
to inspection? If the agent says you
can't, then there is probably something
wrong with it. It can only be of benefit
to you in the long run to have the property
thoroughly checked before you commit
to purchase.
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Extras
Don't forget to budget for agent's fees,
stamp duty, legal fees and moving costs.
These can add up to be quite expensive,
so make sure you can afford them and
the property before you commit to a
purchase.
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Speak to the neighbours
You can find out some of the best information
about the house and it's location by
talking to the neighbours. They will
know whether the property is under a
major flight path, downwind from a municipal
tip or a hotspot for crime. You can
also find out whether you think you
will get on with your neighbours if
you move in.
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Ways to finance your property
The most obvious is by selling your
present property, but if you are a first
time buyer, are looking at a second
property or moving a rung up the property
ladder then there are several options
open to you. An interest only loan allows
you to pay off the interest, not the
principal. This is a cheaper options
but the amount never decreases. Fixed
interest loan. This is a good option
if interest rates are very low and look
like they'll go no lower.Variable interest
loan. This is a good option if the interest
rates are high and look like they may
go down.
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Make sure you get the best finance deal
Understand the total cost of the loan,
including late payment fees. The amount
of interest you ultimately pay depends
on your risk to the lender. If you have
an established career with year on year
salary increases then you are going
to be able to get a better interest
rate. Don't be lured into a cheap introductory
offer. Look into it in more detail and
check that it won't cost you more in
the long run. Get help from an Independent
Financial Advisor if you can't make
sense of all the offers in front of
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Allestree Branch
1 Allestree Lane
Allestree
Derby
DE22 2HQ
Tel : 01332 556633
Fax : 01332 556648
Alvaston Branch
1278 London Road
Alvaston
Derby
DE24 8QP
Tel : 01332 753555
Fax : 01332 784512
Ashby Branch
34a Market Street
Ashby de la Zouch
Leicestershire
LE65 1AN
Tel : 01530 564491
Fax : 01530 564492
Belper Branch
12 Bridge Street
Belper
Derbyshire
DE56 1AX
Tel : 01773 882881
Fax : 01773 829913
Burton on Trent Branch
5-6 The Market Place
Burton on Trent
Staffordshire
DE14 1HA
Tel : 01283 845888
Fax : 01283 845745
Chaddesden Branch
488 Nottingham Road
Chaddesden
Derby
DE21 6PF
Tel : 01332 281400
Fax : 01332 677045
Chellaston Branch
55-57 High Street
Chellaston
Derby
DE73 6TB
Tel : 01332 705505
Fax : 01332 691009
Coalville Branch
53-55 Belvoir Road
Coalville
Leicestershire
LE67 3PD
Tel : 01530 812929
Fax : 01530 812887
Hilton Branch
44 Main Street
Hilton
Derby
DE65 5GG
Tel : 01283 730077
Fax : 01283 730088
Littleover Branch
272 Blagreaves Lane
Littleover
Derby
DE23 1PS
Tel : 01332 773399
Fax : 01332 771131
Mickleover Branch
9 The Square
Mickleover
Derby
DE3 0DD
Tel : 01332 540522
Fax : 01332 519945
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