Instant Valuation

Buying

Buying
Living in Cardiff

Our Guide to Buying

Exciting! But there’s a lot to think about… Our guide to buying will give you all of the information you need to start the buying process on your next property.

Finance

Before you begin your property search it’s important to know what you can afford to borrow, so it is advisable to speak to an independent mortgage advisor who has access to the whole of the mortgage market to get your finances in order. This will confirm what you can borrow and influence your property search. We have a recommended mortgage broker so if you would like further information please contact us

We have a recommended mortgage broker so if you would like further information please contact us.

Register

You can register with us via email and stay one step ahead by calling on 02920 397887 or by visiting one of our Cardiff offices.

By registering with us you will have access to early bird property details via email or text.

Viewings

Working 9-5? We appreciate this and can work around you. We carry out Sales and Letting viewings Monday – Friday up until 6.00pm and 3pm on Saturdays.

Not only but we also offer virtual viewings, allowing people to view hothat mes without the need to organise viewings.

Solicitors

It is important when selecting the right solicitor that they are on the correct panel for your chosen lender. This is why we work closely with three solicitors in the area.  Often buyers and seller solicitors need to be different so that there is no conflict of interest during the process.

We have a recommended mortgage broker so if you would like further information please contact us.

Making an offer

Once you have identified the property you wish to purchase we would inform the seller of your offer both in writing and verbally. At this stage we would ask you provide mortgage in principal before accepting any offer. Should you require mortgage assistance we have recommended mortgage specialists. Once your offer has been accepted we would issue all parties a memorandum of sale, including the agreed sale price. We would require your solicitor and mortgage broker’s details. There are no legal obligations at this stage to buy the property.

Surveying

Once an offer is accepted your mortgage company (if applicable) would want to carry out a mortgage valuation survey.

As a buyer at this stage you have the option to upgrade your survey to a home buyers report or full building survey. A survey would point out any structural defects and advise on the property value.

We have discounted rates available to clients of JeffreyRoss through our Partner Seel & Co.

Exchange/Completion

This occurs when the solicitors are satisfied with their enquiries and the searches have been completed. A deposit is then paid and the solicitors fix a mutually agreeable date for completion. When you exchange you are legally committing to buying the property. Completion will take place once all monies have been transferred and keys are then issued to your new home.

Find out more.

Straightforward financial advice to make you smile.

Land Transaction Tax Calculator

If you’re purchasing in Wales then LTT (land transaction tax) applies, please use the calculator provided to work out the additional funds you will need. If purchasing outside of Wales, then please use the ST (Stamp Duty) calculator.
Calculate Your Stamp Duty
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Stamp Duty To Pay:
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Tax Band % Taxable Sum Tax
Calculate Your Stamp Duty
£
Results
Stamp Duty To Pay:
Effective Rate:
Tax Band % Taxable Sum Tax

Our Additional Services

Selling and letting property is our core business, but we don’t stop there. We
offer a wide range of services to help you at every stage of your property journey.

Conveyancing Partners

Surveying

Mortgages & Finance

See all our services

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