Buying with us
Engineering a Sustainable Future, Together
Buying with us
Reason For buying with us
- We build to up-to-date modern building standards
- All our homes are brand new and of high specification.
- Our homes are designed to suit your lifestyle; providing flexible and usable space.
- Our homes are energy efficient ensuring you pay the lowest energy bill.
- We provide you the National House Builders Council (NHBC) guarantee
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The Buying Process in Scotland
- Get your finances in order – check how much you can borrow, how much your deposit will be, and get a mortgage agreed in principle.
- Find a Solicitor – you will need a solicitor to take care of all the legal aspects of the home-buying process. Shop around for the best rate and choose specialises in Scottish conveyance process.
- Find your new home –with the price range you can afford, look through our various development for a home that suits you.
- Get the home report and survey – this consists of three documents: the single survey, the energy report and the property questionnaire.
- Reserve your property – this is the make an offer stage, firstly your new homes should be reserves such that no one else can reserve it.
- Arrange your mortgage – choose and accept your mortgage from various options, a mortgage advisor can assist at this stage. Also, you can do plenty of research online – our sales advisers can put you in touch with one if you’d like.
- Complete the contracts – your solicitor will steps in to officially transfer the property from the seller to you, this is known as the conveyancing process. Amongst other things, this involves making sure you’ll have complete ownership of the property and that there aren’t any local plans that may affect the value of the property.
- Complete settlement and disposition – this is the final part of the conveyance process as contracts are exchanged; you pay your deposit and means both you and the seller are committed to the deal.
- Move in – you will be invited for a tour and demonstration, then the keys are handed to you and hooray, YOU MOVE IN.
Mortgage Tips
- Talk to mortgage advisors for mortgage advise
- Check your credit score – the stronger your credit score, the more attractive you are to the mortgage lender and the more competitive the interest rate you are offered. The 2 main credit reference agencies are Experian and Equifax.
- If required, boost your credit score – tthere are many ways you can build your score, take out a credit card and use it regularly, make sure you pay off the bill each month.
- Manage your payments and spending – If you have an existing credit card or loan, it’s important you keep up with the minimum repayments and try not to get too close to your credit limit.
- Register on the electoral roll – You should try to show lenders that you have a ‘stable’ lifestyle, for example that you’re in full-time employment and live at a fixed address. Therefore, make sure you’re registered on the electoral roll.
- Get your paperwork organised – such as bank statements and payslips, you’ll often need to provide a large amount of information when applying for a mortgage. So, get your paperwork in order.
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