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Moving or buying your first house is likely to be the biggest and most important decision you will make. Taylor Anderson Limited, the longest established Estate Agents in the Rossington area, can help you through this process.

The Process

First you have to decide what type of house you want and in what area. Your dream house may be out there but often you may have to compromise. When you do find the house you want you should make an offer to the Estate Agent who will pass this on to the vendor. You should ensure what the vendor has included in the sale price or is prepared to leave or sell separately when they move. This often includes items such as carpets and curtains but often other items such as furniture can be negotiated for. If the offer is accepted by the vendor then you will need to complete the legal process and a Mortgage Advisor will help you find the right mortgage.

We are Independent Mortgage advisors who can assist in finding the right type of mortgage and life policy for you. We have links with several local solicitors to whom we will gladly introduce you.

Once the chosen lender (Bank or Building Society etc.) is satisfied with various checks such as your employment record and income, they will instruct a surveyor to visit the property who will inspect it to ensure that it is suitable as security for the loan. If there are any problems with this report we may be able to advise or assist, please contact us.

When the lenders are satisfied then a mortgage offer will be made to you.

Your Solicitor will carry out various checks to ensure that the land is safe and that the local Council do not have plans which could affect your new house at some time in the future. They will also ensure that the person selling has a legal right to do so and that you will have legal right to the property. Your Solicitor will agree a date for you to move as well.

At this stage you are legally bound to the purchase. If the lender did not insist that you insure the buildings with them then please ask us for a quote. The property is your responsibility now.

Your Solicitor will ensure that the money gets to the right people at the right time and will arrange for the release of the keys. This again may be through ourselves but not always.

4 Weeks to go:
Obtain quotes from moving company's. Please ask us for a quote for your contents insurance and ensure that the moving company have your property adequately insured during the move.

3 Weeks to go:
Confirm the date with movers. Arrange a plumber and electrician to disconnect cooker, washer etc. on moving date.

2 Weeks to go:
Fix a date and time for move. Arrange for gas, electric and water meters to be read. Arrange connection at your new house and arrange to have mail forwarded.

Ensure that you have sent change of address cards to:

• Your employers
• Friends an relatives
• Post office
• Credit card and other loan company's, banks etc.
• Local authority (council tax)
• DVLC (driving license), AA/RAC
• Life, car andhealth insurance company's
• Gas, electric, water, phone, milkman, newspapers etc.

1 Week to go:
Arrange carpets, curtains at your new house. Confirm details with movers. Label all items/boxes with the location in your new house for movers.

The Night Before:
Put aside all you will need at the new house, kettle, cups, tea, sugar, etc., tools, torch etc.

Moving Day:
Switch off the gas, electric and water. Ensure the phone is disconnected (in your name). Check every room, cupboard, garage, shed etc. Take the keys to the estate agent selling your house.

Ensure the movers have the new address.

Check when the keys to your new property will be available and confirm who has them.

Remember your solicitor has to arrange a time for the move and the keys will not normally be available before then.