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Wednesday, March 25, 2015
OF TUNBRIDGE WELLS
YOUR
FREE PAPER
HAPPY AS A PIG IN MUD Pages 50&51
DASH OF STYLE TO THE SKODA FABIA
ECONOMY ‘NEEDS MORE WORK’
Pages 58-59
ENJOY THE STUNNING SOUTH
Page 14
Pages 62&63
ADVERTISING FEATURE
THINKING OF MOVING HOME THIS SPRING? You’ve made the decision to move, found your dream home and your offer has been accepted. Feelings of excitement and apprehension set in and all you want is the whole process to end with you safely ensconced in your new home. So what steps can you take to ensure that the process will run smoothly and costly mistakes are avoided? Well, skimping on surveys and conveyancing can cost you dearly in the long run. So here are some top tips to help your move go as smoothly as possible. By Deborah Miller. GET YOUR MORTGAGE actual faults in the property. For AGREED FIRST many, a Home Buyer’s Report, Although borrowing from banks which will expose problems such and building societies has improved as damp, dry rot and subsidence, recently, it is not a given. So to is adequate but if you are buying avoid disappointment, check you an older house or unusual home a can get the mortgage you need full structural survey will be a wise before starting the process. You investment. can get a mortgage agreement You wouldn’t buy a car without in principle secured first, but the knowledge of a service history, remember that this so why would you is an indication run this financial and not a legal when buying You wouldn’t buy risk agreement. a house?
a car without the knowledge of a service history, so why would you run this financial risk when buying a house?
DECIDE WHETHER YOU ARE HAPPY TO RELY ON THE MORTGAGE LENDER’S VALUATION OR DO YOU REQUIRE A FULL SURVEY. A lender’s valuation is an assessment carried out by and for the benefit of the lender in order to check that the property presents adequate security for its loan should you default and the property has to be sold. However, it does not report on
REMEMBER TO FACTOR IN THE TRUE COST OF MOVING. Mortgage arrangement fees, survey fees, legal costs and removal costs are all substantial costs of moving. However, the often overlooked but most expensive cost is Stamp Duty Land Tax (SDLT) which varies dependent on the value of the property purchased. If you purchase a property above CONTINUED ON NEXT PAGE
see inside for more legal help & support PROBATE CHOOSE YOUR CONVEYANCING SOLICITORS WITH CARE
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MATRIMONIAL WHY SEPARATION AND DIVORCE CAN BE A CIVILISED AFFAIR
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