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Stewart Balfour & Sutherland

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Buying

Stewart Balfour & Sutherland recognises that the purchase of your home is the most important and expensive transaction you are ever likely to undertake.

Our constantly changing database features an excellent range of properties. With our local knowledge and expertise, we are well placed to find a property to suit your needs, be it a straightforward move, a holiday home or a ‘Buy to Let’ investment.

Please click on our search facility to access all current properties, complete with photographs.

To enable you to unravel the complexities of buying your home, we have set out below a brief overview of the various procedures involved:

MAILING LIST
You should register your details and search requirements with us by completing our registration form. This will give us an insight into your personal requirements which will then enable us to target more effectively the details to be sent to you. Alternatively, you may email, phone, fax or call into our Property Shops in Campbeltown or Lochgilphead. 

Once you have registered with us, you will then be in a position to receive details from us directly in person, via mail, email or to download and print these out from our website.

VIEWING
Our friendly and professional team are available to arrange those all-important viewings of your selected properties. Please contact us to arrange a mutually convenient time on 01586 553737, or complete a viewing request directly from this website.
 
HOME REPORTS
As a prospective purchaser, you should be aware that it is a legal requirement for every residential property to have a Home Report before marketing is commenced. This comprises a Property Questionnaire, Energy Report and Single Survey.

The Property Questionnaire is completed by the seller and provides useful information for potential buyers. It includes the council tax banding, any factoring arrangements, relevant local authority notices and details of any alterations made to the property. It is aimed at reducing difficulties and delays.

The Energy Report assesses the efficiency rating and environmental impact of the property in terms of carbon emissions, and helps buyers to compare energy costs between homes. It also recommends ways to improve energy efficiency and reduce emissions.

The Single Survey provides detailed information about the condition and value of the property, together with an accessibility audit. In conjunction with the Energy Report, it is compiled by a Chartered Surveyor.

We will make a copy of the Home Report for any property in which you are interested available to you, free of charge.

MORTGAGE
In order to speed up your house buying process it is advisable, wherever possible, to get a mortgage agreed in principle before your solicitor submits a formal offer for the new property. This has the advantage of providing you with a clear indication of what is affordable.

SOLICITORS & MAKING AN OFFER
You will need to instruct a solicitor to act on your behalf and to submit the formal offer for consideration by the seller. This may be prior to any Closing Date, especially if the property is being offered for sale at a Fixed Price, or at the Closing Date.

Your solicitor will advise you of the legal process involved from this point forward.

It is worth noting that, as solicitors, Stewart Balfour & Sutherland can also take care of your conveyancing needs. Please telephone our Castlehill Office on 01586 552871 to discuss your requirements.

Buying