1. House Buying Process in Scotland by Your Move HOUSE BUYING PROCESS IN SCOTLAND

2. House Buying Process in Scotland by Your MoveStep 1 : How Much Can I Borrow?Speak to a FinancialAdviser to establish how much you can borrow.For expert mortgage adviceVisit www.your-move.co.uk/mortgages/ or Call 0800 056 4508 3. House Buying Process in Scotland by Your MoveStep 2 : Appoint a Solicitor. Find out what their fees areand when these are payable. Find a solicitor with Your Move 4. House Buying Process in Scotland by Your Move Step 3 : Start Searching for a Property. Look at online estate agents and register your requirements to receive property alerts. Visit estate agents, and look in the local press. Search houses for sale and register for property alerts with Your Move 5. House Buying Process in Scotland by Your Move Step 4 : Youve Found a Property. Instruct your solicitor to note your interest to the estate agent and arrange a survey of the property. Arrange a survey with e.surv chartered surveyors 6. House Buying Process in Scotland by Your Move Step 5 : Make an Offer. Before making an offer, ask the selling agent for a copy of the home report . Instruct your solicitor to make a written offer, and let your solicitor negotiate with the estate agent the terms of the offer. 7. House Buying Process in Scotland by Your Move Step 6 : Offer Accepted.The sellers solicitor will send a qualified acceptance letter to the buyers solicitor. 8. House Buying Process in Scotland by Your Move Step 7 : Apply for a Mortgage. Complete your mortgage application form, with the help of a Financial Advisor.For expert mortgage adviceVisit www.your-move.co.uk/mortgages/ or Call 0800 056 4508 9. House Buying Process in Scotland by Your Move Step 8 : Searches. The sellers solicitor will send the title deeds and certificates relating to the property to the buyers solicitor. 10. House Buying Process in Scotland by Your Move Step 9 : The Missives. The solicitors must agree on the written negotiations of the sale - the missives, which can only be done once a mortgage offer is received, if applicable. When the missives are agreed, this is known as conclusion of missives. Both parties are now legally bound to the sale/purchase. 11. House Buying Process in Scotland by Your Move Step 10 : Final Conveyancing. The sellers solicitor will draw up the disposition (a document transferring legal ownership). The buyers solicitor will draw up the Standard Security (the deed securing the loan). The buyer must sign this. 12. House Buying Process in Scotland by Your Move Step 11 : Completion. The buyers conveyancer pays the balance of the purchase price, electronically, to the sellers conveyancer. This is known as COMPLETION. Once the money is received by the sellers conveyancer, they will inform the estate agent that the keys to the property can be released. The buyer can now move in.