Buying a property

Buying

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Looking to find the perfect property in Lincolnshire? Whether looking for a main residence, investment property, property with land or alternative use, Pygott and Crone offer the best selection of properties throughout Lincolnshire. All of our properties have the benefit of a video tour, street view, and the majority have either a 2D or 3D floor plan to help you with your search.

With auction properties from a £1 start bid through to Signature Country Homes and Farms in excess of £1,000,000, our sales team will closely match your individual requirements to help you find your perfect property. We offer a personal service to any potential purchaser by registering your details either on our website or with a member of our team - we will ensure you promptly receive information on any suitable properties which meet your specific criteria.

We look forward to assisting you in finding your new home.

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Why use us to find the most suitable mortgage

Pygott & Crone Financial Services search the entire market to find the best mortgage to suit your individual circumstances.

Whether you are a first time buyer, looking for an investment property, remortgaging, or moving home; our expert advisers will be happy to help.

Search and compare mortgage deals >

Learn more about Lincolnshire

Click on any of our videos to find out more about some of our beautiful Lincolnshire locations, including useful information on schools, amenities and transport links.

Our films have been created by our in-house media team specifically to assist buyers relocating to new areas.

Go to our Area Guides page >

Lincoln
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Boston
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Grantham
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Sleaford
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Grimsby
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Cleethorpes
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Spalding
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Holbeach
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Relocation

Relocation across the nation

With our National Connections, we work together with Relocation Agent Network members up and down the country to help people buy and sell homes, wherever they may be.

So if you're selling, Relocation Agent Network can offer you the potential of additional out of town buyers viewing your property and if you're buying, we can help you find your new home across England, Scotland and Wales.

Relocation across the nation

With our national network, we work together with over 650 Relocation Agent Network members up and down the country to help people buy and sell homes, wherever they may be.

Go to our Relocation page for further details > Relocation
Conveyancing

Conveyancing

Conveyancing is the legal process between the buyer and the seller which allows the legal transfer of the property to take place. Again if you have instructed our in house conveyancing team or an alternative conveyancer prior to selling or buying a property this may speed the process up.

Once you have instructed a solicitor the legal process will begin, we have a dedicated sales progression team that will help guide you through the process and an on line case tracker for ease of access to information, we will endeavour to make the process as simple as possible for you.

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Buying your property through auction

The Modern Method of Auction provides the ability to bid by phone, online or in person. You don’t have to be an investor to bid, and you can purchase with a mortgage.

Properties are offered at realistic prices with the benefit of a speedy and secure transaction, and fixed moving dates.

More about auctions >

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RICS Property Surveyors

Covering the whole of the East Midlands,
our surveyors and valuers offer a comprehensive range of residential/commercial valuation and surveying services.

More about surveys >

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Buyers guide

Buyer's Guide

An easy step-by-step guide to buying your next home.

Click on a picture above to begin, or simply click Next.

Things to consider before you buy
Finding your New Home
Beginning your property search
Viewing a property
Making an offer
Finalising your mortgage application
Arranging Conveyancing
Arrange a Survey
Finalising your mortgage and insurance requirements
Exchange of contracts
Getting organised for the move

Introduction

Buying your first home or moving home can be very daunting and there are many aspects to consider.

Introduction

The whole process can be made much easier by taking advice on property types, areas, budgeting all the costs, legal advice and much more.

Introduction

Pygott and Crone are a fully mixed practice and as such ideally placed to provide free advice on all aspects of buying and selling. With our own Financial Services, Conveyancing and Surveying teams supporting our Residential staff, advice on all aspects of buying is available in one location.

Introduction

The following guidance notes will hopefully help you to prepare for what is without doubt one of the largest financial decisions for most people.

Things to consider before you buy

You need to consider your personal circumstances and any financial implications involved.

The next steps are very important.

Things to consider before you buy

Firstly you need to establish your budget for buying. When looking at budget planning you must consider all the costs involved in moving. Also, if you have a property to sell you should obtain an accurate valuation to establish how much equity will be available towards your next purchase. The higher level of deposit you have available towards buying will help your mortgage options.

Things to consider before you buy

Selecting the right mortgage is very important. Whether you are a first time buyer, re-mortgaging or buying  an investment property, Pygott & Crone provide free advice on a very personal basis. We will help you to plan your budget, look at all the costs involved in buying and selling property and advise you about the outgoings you will incur once you have moved into your new home.

Things to consider before you buy

Do not just look at one lender. Rates and criteria can vary and you should search the whole market to ensure you get the best possible mortgage for your criteria.

Things to consider before you buy

Planning and understanding your financial position will allow you to view the most suitable properties for your budget and requirements. It will also allow you to advise our sales team of your requirements and ensure we source the right property for you.

Finding your New Home

Now you have established your budget for buying and decided on the number of bedrooms and what else is important to meet your needs, you have to decide where you would like to live. The words location, location, location have been used as a phrase very often and, balanced with affordability, is probably the most important decision.

Finding your New Home

Other things to consider:

Is it within travelling distance of work?

How far am I from family and friends?

Finding your New Home

What is the public transport like?

How close are shops, restaurants etc?

Are we in a good catchment area for schools?

Finding your New Home

How far is the nearest hospital?

What is parking like?

What is the neighbourhood like?

Finding your New Home

Once you have considered all that you would wish for you are ready to begin searching for your new home.

Finding your New Home

One final thing to remember; finding the perfect home with everything you wish for is very difficult, so keep an open mind and decide which requirements are essential and then try and have a flexible approach.

Beginning your property search

It is very easy to start looking for a property. The following are some of the initial steps to help you find your new home.

Register your requirements with local estate agents.

Set up property alerts.

Beginning your property search

View the local newspaper.

Keep an eye out for Estate Agents’ Boards in your chosen area.

Look at Auction properties.

Beginning your property search

Pygott & Crone offer various levels of service from email property alerts as soon as a suitable property comes to the market to a personal negotiator searching and advising you through the whole process.

Viewing a property

When viewing a property allow yourself plenty of time. This will probably be the most expensive purchase you will make. When you get there:

Try to imagine living there and how suitable it would be for you.

Try to take someone who might notice things you don’t.

Viewing a property

Double check which fixtures and fittings are included.

Don’t be rushed; have a good look round.

Give careful consideration to any alterations you may wish to make.

Viewing a property

Don’t be put off by decoration.

Look at the outside and make sure it fits your requirements.

Pygott & Crone produce a Property Information Questionnaire with all their sellers to provide a prospective buyer with relevant information and a transparent view.

Viewing a property

Although we have a very flexible approach to arranging viewings, it is always best to provide the seller with plenty of notice. Also agent’ diaries are often booked well in advance especially at weekends, so planning your appointment with the agent is recommended.

Making an offer

Congratulations! You have found a property you want to buy. The next stage is to discuss an offer with the Estate Agent, who will liaise with the owner of the property. Once an agreement has been reached on price, the agent will check your ability to buy the property.

Making an offer

What do Pygott & Crone check?

We will check your financial position; is it a cash purchase or part mortgage?

What position are you in regarding your mortgage application?

Making an offer

Do you have your deposit organised?

If you are selling a property is your chain complete?

Have you organised a solicitor?

Making an offer

When you registered with Pygott & Crone most of this would already have been established.

Finalising your mortgage application

You will now need to finalise your mortgage arrangements for the property. Again, if you have used Pygott & Crone’s in-house Financial Advisors this will be fairly straightforward, however it is sensible to double check the market and ensure the initial lender chosen is still giving you the best option available in the market place.

Arranging Conveyancing

Conveyancing is the legal process between the buyer and the seller which allows the legal transfer of the property to take place. Again, if you have instructed our in-house conveyancing team or an alternative conveyancer prior to selling or buying a property this may speed the process up.

Arranging Conveyancing

Once you have instructed a solicitor the legal process will begin. We have a dedicated sales progression team that will help guide you through the process and an online case tracker for ease of access to information. We will endeavour to make the process as simple as possible for you.

Arrange a Survey

Once your offer has been accepted it is vital that you arrange a survey to be carried out on the property you are purchasing. There are various types of survey:

Arrange a Survey

The first and most common is arranged by your lender once you submit your full mortgage application. This is more of a confirmation on value to ensure the property is worth what you are paying, but will include some recommendation if they feel further reports are required.

Arrange a Survey

A Homebuyers report is probably a wise choice if the property is older and you want to check the condition of the property. This is a more detailed visual report.

Arrange a Survey

On an older property it may be wise to instruct a building survey or a structural survey. This will check the building for faults both minor and major. It does not provide a valuation, however your lender will have already instructed this if you are obtaining a mortgage.

Again, Pygott & Crone’s survey division can provide advice on the above.

Finalising your mortgage and insurance requirements

You will receive your mortgage offer with the final details of your loan, which should be checked by you and your solicitor. At this time it is wise to consider any insurance products that you need. For example you will need buildings and contents insurance for your new home.

Finalising your mortgage and insurance requirements

Once you have your home covered what about you, think about what would happen if you became unemployed or ill, or even if something more serious happened.

There are several insurance products available that would safeguard your repayments and dependents.

Finalising your mortgage and insurance requirements

Life Assurance provides a lump sum to your next of kin should you die or become terminally ill.

Critical Illness provides funds if you become critically ill.

Income protection this can provide regular monthly income if you can’t work due to an accident or critical illness

Finalising your mortgage and insurance requirements

Mortgage payment protection this can cover your mortgage payments for a period of time if you become unemployed or can’t work because of illness or an accident.

Pygott and Crone’s financial team can advise on any of these insurances.

Exchange of contracts

At this point there are only a few things left to do.

Once you and your solicitor are happy to proceed then it’s time to sign the contract, once the seller has signed too the solicitors will swap or exchange them

Exchange of contracts

The deposit your solicitor is holding will be transferred to the sellers solicitor and a moving date will be agreed with all parties. This is called the completion date and once all funds are transferred to the seller the keys to your new home will become available.

Congratulations you have a new home!

Getting organised for the move

It will have been a long process and you may feel excited about your new home, but the actual moving day can be very stressful so good planning is the key.

As soon as you can

Plan your moving date and book time off work.

Getting organised for the move

If you are renting make sure you served appropriate notice to the landlord’s agent.

Notify all services providers of your new address.

Re direct any mail to your new address.

Book your removal company.

Getting organised for the move

Arrange friends or family to help.

Make sure your buildings and contents insurance is in place

Getting organised for the move

Hopefully this guide has proved helpful, however if you need further advice or just want to discuss any aspect of moving home simply call into your nearest Pygott & Crone office and our team will be very pleased to assist.

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