Buyers Information


Buying your home can be a stressful experience, particularly if you are unsure of the process. However, at John Francis, we endeavour to remove the worry from the process and we will make it as simple and straightforward as possible

BUYING GUIDE

Registering your details

To find your ideal property, we need to know as much as possible about your requirements. You can let us know what these are by registering online, by phone or by visiting any one of our 19 residential offices where our staff can assist you with your search.

Viewing hours

Our normal office hours are Monday to Friday 09:00-17:30 and Saturday 9:00-16:00 (subject to some variation between offices). Please speak to a member of staff who will be happy to arrange a time that suits you during or outside our normal office hours.

Re: COVID 19 - Viewing a property with us

The health and wellbeing of our colleagues, customers and communities is of paramount importance to us and as such we must follow Welsh Government guidance based on the recommendations of the UK's Chief Medical Officers. In order to protect you, those occupying the property, and our colleagues and to ensure we work in a Covid-secure way we have adapted our ways of working and how we show you property that you are interested in.

The information below outlines what to expect when booking an appointment and visiting a property.

Booking your appointment

Prior to requesting an appointment you should, where possible, have already driven past the property to view the location, read the particulars and called the office with any queries you may have and wherever possible undertaken a virtual viewing.

If you or any of your household has shown symptoms of Covid-19 or has tested positive in the last 14 days then please do not make an appointment until you have had the Covid test. If that is negative then we will proceed with the appointment.

A maximum of 2 people from the same household will be able to view the property at any one time. Please do not bring children with you and mixing of households in not allowed.

You must be a proceedable buyer.

We are unable to provide transport to and from appointments.

The Appointment

If anyone is presenting COVID-19 symptoms at the time of the appointment it should not take place.

You are requested to bring hand sanitiser with you and to use it before entering the property and again when you leave.

From arrival at the property we would ask that 2 m distancing guidance between anyone in the property is adehered to.

The number of people in the same room at the same time should be kept to a minimum.

Please avoid touching door handles, light switches and other surfaces whrever possible.

The duration of the appointment should be limited and internally not more than 15 minutes. Questions can be answered after the appointment over email or telephone.

The wearing of protective Face Masks and Gloves (PPE) is recommended when viewing a property and we hope that you comply with this recommendation. We or the person showing the property are unable to provide PPE for you or to dispose of any that you have used on the appointment.

 If our colleague is showing the property, they will use hand sanistiser or will request to wash their hands upon arrival at he property; they will do the same before leaving.

They may be wearing protective Face Masks, Gloves or Shoe Covers.

They will carry disinfectant spary with them and may need to use this for keys, their kit or even in some areas of the house if they feel they need to.

If the owner of the property is showing you around, they may be wearing PPE but are not required to.

We have advised that they do not offer refreshments during the viewing.

Thank you for you support in helping everyone stay safe.

Arranging a mortgage

Do you know what you can borrow and what deposit you need to provide? Before starting to look at property why not check that you’re looking in the right price range? If you know and have spoken to a bank or building society, it might be worth an informal chat with one of our mortgage advisors - if only for peace of mind!

Your home may be repossessed if you do not keep up repayments on your mortgage.

 

A fee will be payable for arranging your mortgage. Your Mortgage Consultant will confirm the amount before you choose to proceed.

 

Mortgage availability depends upon your circumstances.

 

Making an offer

When you have found the right property you will want to make an offer. This is done through us; we communicate all offers to the seller and you verbally and in writing. If your offer is not accepted and you are still interested, negotiations will continue to take place.

Offer accepted

Once the offer is accepted we will notify you and your Solicitor in writing. If you do not have a Solicitor, we will happily recommend one to you. At this point we will also confirm the position on future marketing of the property.  It is usual to allow further viewings when a sale is progressing, not to encourage gazumping , but just to provide for a first reserve , if needed!

You will need to complete your mortgage application form (if applicable) as soon as possible and pay the valuation fee.

Once you have instructed your Solicitor, the legal process will begin. At the same time, your lender will process your application, carry out the survey, and issue your mortgage offer.

Exchanging contracts

When your Solicitor has completed all of his or her enquiries, is satisfied with all matters raised, and has a copy of your mortgage offer (if applicable), you will be asked to sign your contract and pay a 10% deposit. You will agree a date for completion that is acceptable to both the seller and yourself and proceed to exchange contracts.

Completion

On the day of completion your Solicitor will send the balance of the purchase price to the Seller's Solicitor. Once the Seller's Solicitor confirms to us that the funds have been received, we can then release the keys to you and you can begin to enjoy your new home.