Questions You Must Ask Before Buying a House


Down below are some questions that are asked very often and in this guide we will take you through a very basic analysis of questions asked by normal people just like you, looking to either buy/sell a home and need to know that extra information.

This guide is a collection of frequently asked questions answered by us at Houser.Com, If you have any other questions apart from these leave them down below.

What do I do if after I’ve purchased the property, I see some items in the house aren’t functioning?

Well for starters, when first visiting a property inspect if all items listed are functioning correctly and isn’t in a state where you might ask the owner for compensation. However, if the item is in full working order when you inspected it but doesn’t seem to be working after a long period of time, you won’t legally be allowed to ask for any sort of coverage from the previous owners.

Can the owner withdraw if they get a higher offer?

Unless both sides of the parties have signed either a contract and the housing agencies have gave you a 100% agreement that the house is yours, the owner can back out of the transaction with no particular reasoning. Compensation won’t be given by the owner of the property sale. A smart idea is to always keep multiple copies of any contracts to Solicitors, Family, Friends etc., just for backup and other obvious reasons.

When do I sign the house lease or contract?

Your housing agency/Solicitor will probably send over the contract as soon as they are in full agreement with the sellers of the property and have all the required documents. Most likely you won’t be asked to agree to the lease until your Housing agency is also in agreement with the Owner of the properties and there solicitor. Also they may decide to wait till the seller of the property answers all the questions your solicitors might have asked.

How long is the full process of completing the purchase or sale of the house?

A lot of things can go into completing the process of purchasing a property but you can never be too sure on how long it would take without keeping in mind delays that may happen during this process. Now a quick forward purchase can be made in as little as 6 weeks while properties that may have different circumstances could take a lot more depending on the house and sellers itself.

When will the deposit be due?

You should probably contact your agency about this but usually the deposit would be needed between a week of signing the lease and having it sent to both sides of the solicitors.

When am I definitely sure that I am to purchase/sell?

This would happen when both sides of the solicitors have their own copy of the lease agreement and have signed it with your permission. When both parties receive their contract, they are now bound to it.

Where would I get the keys for my property from?

The keys to your property would most likely be at your Housing agency. Contact them and ask for their opening times etc. Normally the previous owner of the property will have a limited period of time to drop of the keys. This varies from 9am to 3pm. Houses bought privately will generally be given keys from the previous owners.

When is the finished date given?

As soon as all the papers have been checked and the solicitors are happy enough with any resolved matters. They will either talk or email a completion date to you. Generally you should ask for the earliest completion date available for the agency. Remember this is your property, so take control and make sure it’s according to your preferences but it may be a good idea to listen to your agency if there are able to prevent extra delay. The date your agency has chosen will be given over to the seller to see if it’s negotiable. Most likely the date of the purchase will be added to the lease agreement and the property owners will be asked to sign. Be aware that the date of the completion could change at any time.

How long will the lender of my funds take to give the money?

Your Lender will most likely advise your agency within a week before you need your mortgage money. The agency however will not ask for the money unless the lease has been signed. This means there will be a interferences when the lease is being asked for signatures and the completion stage where the house keys are given. Your agency will hopefully try their best to ask pursue the Lender for the money and be able to get you your property quickly.

What materials should I expect to be left at my new property by the sellers?

Lots of items are allowed to be moved out of the property such as furnishings, electric lighting, etc this way the seller can take more much to the dismay of purchasers. Your agency should come up with a list of things that the seller has made. This list will state all the items that may be fixed into the property or will need fixing. This should be given to you before a deal is made. The items on the list must stay in the property and shouldn’t be taking out on the final day.

What would happen after the completion, like my title deeds?

After you finish the completion stage and get handed the keys to your property there is unfortunately still a lot of forms you must fill out. Your agency will help you sort that out and for your title deeds those will be with your agency but don’t be afraid to ask for a copy. Your lender will also ask for them after a period of 3-6 months. They will generally keep them till you pay off your mortgage.

There’s garbage left at my property by the seller, what do I do?

The best advice is to contact your agency as fast as possible. They will hopefully be able to contact the seller and ask that the garbage be taken away from the property quickly. If this doesn’t happen then your agency might ask another source to take away the rubbish and all expenses would be sent to the sellers.

What are a registry of deeds and a land registry?

Your agency should finalise a cost and fee price. From there they will tell you the 2 ways registration happens in only North Ireland. These are Land of Registry and Registry of deeds. Your solicitor will tell you which one suits the estate you are currently living in/buying. The real truth is that depending on which one you choose the only real difference is the conditions of the form and its fees but other than that, your property will still be your ownership. If you’re needed to change over to the other type of form, your solicitor will help send you over to the new registry. This will happen after all your completion has been finished.

What’s a survey and do I need to get one?

A survey is where your Lender will give you the worth of your property so you are able to know what it would go for on the real estate market. Well it’s not compulsory for you to get a survey so you don’t really need to get one but if so, you should keep aware that the survey isn’t so that they can check the state of your home, it’s only to see the value of the estate. You can choose what kind of survey you would like; you can go for a basic home report or a full out informative survey. Surveys can help you negotiate house prices comfortably.

How much will the solicitor’s charge me?

Solicitors can charge depending on their rates and how much you actually require them to do for you. So before you hire them, maybe discuss it with their employees or get an instant quote online. You could maybe drop by their offices and figure out a plan with them. Although solicitors don’t come cheap ( especially if you hire them for monthly periods) You could always figure out some sort of plan that works for both of you guys. The best thing to do is maybe research the type of solicitor you are looking for since obviously there are lots of ones that have knowledge in different area but if you could find a largely based one that isn’t too high on expenses then you might have just find your “Housing Agency” if that’s what you truly intend to use them for.

Thank you for reading our analysis of these basic question, If you have any queries or extra question pop them down below and someone from Houser will get back to you! Thanks for Reading.

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