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Advice for Buyers

Buying a house online may seem like a daunting prospect without the comfort of knowing the seller may not have an agent in place.

However, if you read on you will soon realise that the processes involved are very similar to any normal purchase and certain rules and regulations must apply.

You will find a lot of the questions you have answered in our FAQs section, however for more in depth information relating to buying, we have devised this page especially for you:

Please Note: The following articles are presently U.K based only and will be updated in due course. All opinions expressed should not be taken as professional advice or legal guidance. The authors hold no responsibility for the use or misuse of the information displayed here

Enquiring about a property for sale
Just like any other form of website that allows public users to advertise their goods for sale, all transactions and communications take place directly between yourself and the sellers - in this case the property owner known as the "vendor".

Each advert displays various ways to contact the owner. In most cases, at least one telephone number is available and an email contact form for you to complete to send any enquiries through.

Accuracy and Information relating to Advertised Properties
We suggest that any measurements or details specified on the advertisement of any property profiled on our website are verified by a professional of your choosing. HomeSellersHeaven.com do not verify or check any details of properties advertised prior to being published.

Therefore it is your full responsibility to ensure that you are satisfied that any property you are viewing or in negotiations over, complies with the laws and regulations.

Before making any offers on a property, it is advised to seek the services of professionals such as solicitors, surveyors and mortgage advisers.

Property Surveys and Valuations
If you choose to have a survey conducted on a property, a homebuyer survey is more often than not cheaper than a building survey. This is simply because the survey is intended for standard residential buildings, houses, flats and bungalows. These types of buildings need to be of a conventional type of construction and to be seen to be in reasonable condition.

A homebuyer survey concentrates on the main elements, i.e. problems that need to be repaired straight away or will need to be carried out in the very near future. What a homebuyer survey will tell you straight away is whether you should really be buying the property. If it does have structural issues, some surveyors will also suggest a rough guide price of the work that needs to be carried out so you can then reduce these costs against your final offer.

Mortgages
Before committing to buying a property, it is always sensible to ensure you have the funds or in most cases, a mortgage in place. Free financial advice is available by Independent Mortgage Advisers who can evaluate your financial situation and suggest the best kind of mortgage for you and the best providers.

The market is flooded with lots of different mortgages and it can be confusing at times. However there are many websites that can help clear the fog and explain how each mortgage works. It is most definitely worth making sure that you know as much as you can so you have no surprises in the future.

As a general rule, most mortgages available today offer you the following types of package:

• Fixed Rate between 1 to 10 years
• A lump sum back to you
• Endowment Mortgage
• Tracker
• Discount Mortgage
• Capped Rate
• First Time Buyer Mortgage
• Standard Variable Rate
• Buy to Let

For more information on mortgages, try visiting one of the following websites:

• MoneySupermarket.com
• MoneySavingExpert.com
• MoneyExtra.com