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DNG Murphy Condon

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First Home Buyers

FIRST TIME BUYERS GUIDE:

first time buyers

As a newcomer to the property market, many have no idea where to start?

Your first step is to talk to your Financial Advisor, get your paperwork in order and get pre approval – visit our sister site for information and guidance on applying for your mortgage (www.mortgagesearch.ie)

Once you have pre-approval, you are now ready to view properties as you know your price range.

What do you look for when buying your first home?

  • Location and the future: – do you need to be close to shops; bus service; schools; etc.?
  • Is there room at the back or side to extend the property in the future?
  • Gardens and orientation – these are just a few basic points to take into consideration

Deposit and purchase what happens next?

Purchasing a home is a multi-step process; it is a big decision and huge financial commitment for the next 30 to 40 years. You have to be comfortable with the price you are prepared to pay for your first home. You should think ahead to the future, and what facilities you may require, take into account the location, is it near all the amenities, bus service, schools etc.

Will you need more space in the future? Look and see if this starter home can be extended or the attic converted?.

If it is an older house with character bear in mind it will need works done over time – the wiring and plumbing may be more immediate and the cost of this must be factored into your budget.

Making an offer

Once you are interested in purchasing a particular house, put in your offer, be realistic and do not exceed you’re your maximum budget

Offer acceptance

When your offer is accepted, a booking deposit is required, (Your deposit is not at risk). The deposit subject to Contract, Title, full Mortgage approval and surveyors report.

Survey report

Your next step is to contact your Engineer, and ask they contact the selling agent to organize with the vendors a suitable time for them to carry out the structural survey

Lender

Contact your bank or mortgage advisor to inform them you have secured a property and they will organise a valuer to carry out the valuation report

LEGALS

The selling agent will send out letters of sale to both the vendor’s solicitors and the purchaser’s solicitors and the conveyancing process will begin

CLOSE OF SALE/PURCHASE

Once the sale is complete the vendors solicitors will advise the selling agent to release the keys – as the sale has completed.

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CONTACT US

DNG Murphy Condon

Address : 8 Blackpool Retail Park, Blackpool, Cork, Co. Cork, Ireland.

Address : Unit 2A, Hazelwood Shopping Centre, Glanmire, Co. Cork, Ireland.

Tel : (021) 4821788

Email : info@dngmurphycondon.ie

Hours : 9:15am - 5pm

What We Do:

  • Property for Sale
  • Property to Rent
  • Farm Sales
  • Commercial Property Sales and Rental
  • Bank Valuations
  • Valuation for sale
  • Valuation for Probate
  • Fair Deal Valuations
  • Valuation for Capital Gains and Capital Acquisition Tax

VISIT OUR SISTER SITES

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