Buying a new home is a massive step for anyone, but at Cairn Homes we try to make the process as easy as possible. Just seven easy steps and you’ll be planning the housewarming party!
Step One: Booking
After you have chosen your home, our sales advisor will help you complete the reservation paperwork and assist with any queries you have. At this stage you'll need to pay a refundable deposit, which will secure the booking of your new home.
Step Two: Getting the right financial advice
If you have not already engaged a Financial Advisor, we can recommend impartial and independent specialists who have the knowledge and expertise to assist with your financial requirements. There are numerous mortgage products on the market and it's important that you find the right one to suit you.
Step Three: Instructing a solicitor
You need to find and instruct a solicitor to act on your behalf. If you don’t have a solicitor already or are unsure how to pick a good solicitor, we can recommend one. The solicitor’s responsibility is to arrange for the transfer of ownership of the property, often referred to as ‘conveyancing'. You'll need to pay various fees at this stage; make sure you understand from the very start what these will amount to.
Step Four: Exchange of contracts
Once your solicitor is happy with the details of the purchase and you have received your mortgage offer, you'll be able to sign the contract. Normally this happens four weeks after you have paid a booking deposit. At this stage you will need to provide your solicitor with your exchange of contract deposit (this is normally 10% of the purchase price) and instruct them to exchange contracts.
Step Five: Build progress updates
Our site manager will provide you with regular updates on the progress of your new home and its anticipated completion date.
Step Six: Pre-decoration visit & home demonstration
We want you to get the very best out of your new home. As it is nearing completion, we will invite you to an appointment with the site manager. This will help you to understand how your home is built. At this stage, we will also provide you with a comprehensive demonstration of your home's domestic systems and appliances, fixtures and fittings to ensure that you are totally familiar with the running of the property. At this demonstration you’ll receive a Cairn Homeowner’s Handbook, which will include information on all aspects of your new home, important contacts and details of warranties.
Step Seven: Legal completion and handover
The big day finally arrives! Legal completion actually takes place when the balance of the purchase price monies has been received. On the day this occurs, we'll provide you with the keys to your new home as part of a handover with our team onsite.