Rochdale Estate Agents

A J Properties estate agents rochdale

Crossley Estates

Adamsons rochdale estate agents

Martin and Co

Martin and Co

Established in 1986 Martin & Co has offices across the UK and Ireland offering residential property lettings & management and homes for sale including new homes, detached terraced and semi-detached houses Flats, Apartments and Bungalows.

AJ Properties

AJ Properties

A J Properties are the leading residential property management specialists in Rochdale and its surrounding areas. Founded in 1998, A J Properties have expanded to become one of the areas most respected companies in this field.

Andrew Kelly & Associates

Andrew Kelly & Associates

We are an established firm of independent estate agents offering a thoroughly professional, yet friendly approachable service, when it comes to buying or selling property in and around Rochdale, Heywood, Rossendale and surrounding areas.

Contact Details

Rochdale Property houses flats for sale

  Halifax   Estate Agents 
108, Yorkshire St 
 Rochdale Lancashire OL16 1JY 
Tel: 01706 346578    
 
  Paul Ashworth Estates 
140, Yorkshire St 
 Rochdale  Lancashire OL16 1LD 
Tel: 01706 651000    
 
  Rochdale Estates 
4, Union St 
 Rochdale  Lancashire OL16 1DY 
Tel: 01706 646466   
 
  Highfields  
146, Yorkshire St 
 Rochdale  Lancashire OL16 1LD 
Tel: 01706 869944   
 
  Andrew Kelly & Associates  Estate Agents 
76, Dale St Milnrow 
 Rochdale  Lancashire OL16 4HX 
Tel: 01706 861010   
 
  Hill-Duckworth  
134, Yorkshire St 
 Rochdale  Lancashire OL16 1LD 
Tel: 01706 352123   
 
  Cowell & Norford  
106, Yorkshire St 
 Rochdale  Lancashire OL16 1JY 
Tel: 01706 860444    
 
  Highfield  & Valuers 
77, Dale St Milnrow 
 Rochdale  Lancashire OL16 3NJ 
Tel: 01706 347359 
 
  G Crossley & Son  
104, Yorkshire St 
Rochdale Lancashire OL16 1JY 
Tel: 01706 353424   

Cowell & Norford 
88, Dale St Milnrow 
Rochdale Lancashire OL16 4HX 
Tel: 01706 642003   
 
  Andrew Kelly & Associates 
675, Edenfield Rd Norden 
Rochdale Lancashire OL11 5XE 
Tel: 01706 638889    
 
  Adamsons 
109, Yorkshire St 
Rochdale Lancashire OL16 1DR 
Tel: 01706 522424   
 
  Andrew Kelly & Associates 
124, Yorkshire St 
Rochdale Lancashire OL16 1LA 
Tel: 01706 350363

Using an estate agent - buying a property

Estate Agents Work for the seller so their main concern is for the seller Estate agents provide advice and property details to buyers on behalf of the seller of the house or flat Remember that estate agents may be in a position to benefit personally from the sale of a property. You must be told promptly, and in writing, if your estate agent, or a relative or business partner of the estate agent, owns the property you want to buy.

Property particulars

The estate agent provides written description of the property (property particulars). It is against the law for an estate agent to make false or misleading statements about a property. If the particulars say the property has gas central heating and double glazing , it must have these features.

Leasehold or Freehold

Freehold the seller has full ownership and the right to sell the property. Most houses are freehold Leasehold the seller has a lease on the property for a set time period. The seller can sell the remaining time on the lease but the property is actually owned by a freeholder. Most flats are leasehold.

Viewing

The estate agent cannot charge you for arranging a viewing or showing you round the property. If you view a new property, or one that is still under construction, you may be asked to pay a non-refundable deposit or sign papers if you are interested in buying. Seek legal guidance

Making an offer

Make Offer via estate agents If you want to buy a property, you must first make an offer through the estate agent. This can be above, below or the same as the asking price. Before making an offer, Seek legal guidance from a solicitor. Offer to Seller When you make an offer, the estate agent must pass it to the seller promptly and in writing. The only exception is if the seller has told the estate agent some offers are not acceptable, such as those below a certain amount. Estate Agents must treat all buyers fairly. They must not hold back offers from buyers who do not want to use their other services. For example, you should not be treated differently because you do not arrange a mortgage through the estate agent. Other Offers The estate agent doesn't have to tell you about other offers which have been made. It is not always the highest offer that wins. The seller may decide to sell to the person who can proceed with the sale quickest. Offer Accepted If your offer is accepted, the estate agent will send you a letter confirming the details. But at this stage there is no legally binding contract. The buyer can still receive and accept other offers, and both you and the seller can renegotiate the price and any conditions of the sale right up to the point when contracts are exchanged or accepted. Gazumping Although the seller may have accepted your offer, the estate agent must pass on any further offers received unless specifically told not to by the seller. This is can lead to GAZUMPING where a higher offer is put in and accepted at the last minute before contracts are exchanged

Repossessed properties

These are properties that are being sold by the bank or building society which has repossessed it. Repossessed property belongs to the lender IE Bank or Building Society (known as the mortgagee) The mortgagee has a legal obligation to get the best possible price, but may also take into account how quickly you can raise funds and exchange contracts. If the mortgagee accepts your offer for a repossessed property , they will place property details and your offer in the local press and if a higher offer is recieved the whole process will start again

Deposits

When you make an offer, the estate agent may ask you to pay a pre-contract deposit of a few hundred pounds to show your commitment to buy. This is usually held by the estate agent. Before you part with any money, find out from your solicitor if a deposit is necessary. If it is, check whether it is refundable if contracts are not exchanged. When you pay, get a detailed receipt from the estate agent. When contracts are exchanged, you may have to pay a bigger deposit, usually 5 or 10 per cent of the purchase price. This will be held by the seller's solicitor.

Mortgages

Mortgages are available from banks and building societies. Or go to an independent financial adviser who will check with multiple lenders to obtain the best offer An Example of this is

Emoves shop around for the best Mortgage Rates from multiple lenders Estate agents may offer to arrange a mortgage for you. But allways shop around Mortgages come in many types with fixed or variable rates and can be taken up to 30 years ( Please read the small print very carefully and obtain advice and a second opinion if possible) The amount of mortgage offered will depend on a number of factors Your Income ( single or Joint ) The valuation of the property Your Credit Report and Rating

A mortgage is a large, long-term debt. You could lose your home if you can't keep up the repayments, Think carefully before taking on a mortgage.

Surveys and valuations

Valuation Before giving you a mortgage, the lender will get the property valued. ( very basic survey ) HOME BUYERS SURVEY Due to the large lifetime investment you should think carefully about a HOME BUYERS SURVEY ( Detailed inspection of the property and can be usefull in negotiating with the seller if any problems found) Structural Survey Your Lender or yourself may require, a full structural survey. This tells you whether the property is sound or whether major repairs are needed. A full structural survey should be carried out by a qualified and independent surveyor. Be sure to use a surveyor who is a member of a professional association and check with Royal Institution of Chartered Surveyors. Flats When buying a flat, you will probably be partly responsible for the upkeep of common parts of the building, such as stairways, roof and garden. Ask your surveyor to check the whole building as well as the flat. Does the building need, or has it recently had, major repairs such as redecoration, or a new roof or a lift? If so, will you have to pay a share of the costs? Valuation CostsThe cost of a home buyer's survey and valuation or a full structural survey will normally be based on the value of the property.

Legal advice

DO IT YOURSELF You can do the legal side of buying a property yourself. There are books on do-it-yourself conveyancing in your local library. But unless you are really confident you know what you are doing, it is best to leave this to the professionals. Solicitors and licensed conveyancers know the problems that can arise, can ask the right questions and are insured against making mistakes. They will also sort out your contract. Legal Costs Fees vary and it pays to shop around. Try the local phone book or ask around.

Buying from the Internet or Privately

All the guidelines above are relevent when buying privately or through the internet