First Time Buyers

The journey to purchase your first home can feel like an exciting yet daunting process. At Coulters, our team are here to ensure that securing the property you love is as seamless and stress-free as possible!

Understanding the Purchasing Process as a First-Time Buyer

Navigating the property market can be intimidating for first-time buyers. We wanted to keep it simple by providing a concise overview of the steps involved:

  1. Financial Preparation: Assess your financial situation and determine your budget. A crucial step before you start your search is to obtain a mortgage Agreement in Principle to understand how much you can borrow. We would highly recommend speaking to a mortgage advisor rather than getting one online, as they assess the entirety of your personal situation and finances.
  2. Property Search: Identify properties that meet your criteria. A good place to start is by writing a list of things you like and don’t like, as well as turning on notifications for all property portals with your specific criteria. Once you find a potential home, we can note interest on your behalf. This is usually the step before an offer and shows your intent to the selling.
  3. Making an Offer: When you find the property you love, with our guidance, you will submit an offer. Our team of expert solicitors are extremely well versed in the market and will reach a figure with you based on their analysis of current conditions and your budget.
  4. Conveyancing: Our experienced legal team will handle all legal aspects, ensuring a smooth transfer of ownership. This includes a lot of reading of documents, getting your mortgage offer accepted by the bank and negotiating any additionals.
  5. Finalising the Purchase: Once missives have concluded, our team will guide you through the final steps, which includes agreeing a date of entry, signing contracts and arranging the transfer of funds.

After that, you will be able to collect your keys, and officially be a homeowner!

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Why Choose Coulters?

  • Integrated Services: We offer both estate agency and legal services under one roof, providing a streamlined experience from property search to final purchase.
  • Local Expertise: Our team possesses extensive knowledge of the Edinburgh and East Lothian markets, ensuring you receive tailored advice suited to your needs.
  • Personalised Support: We pride ourselves on building strong relationships with our clients, offering honest, tailored advice, and maintaining open communication throughout the process.

 

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What our clients say…

  • First-class service

Absolutely first class service from the team at Coulters – swift, professional and amazing end result!

Adam Liddle
  • I’d highly recommend Coulters!

Great service! The team were extremely helpful, keeping me updated throughout, and were very happy to talk me through anything I was unsure about. I’d highly recommend Coulters!

Andy Armstrong
  • A stress-free purchase

Struan Douglas and the Coulters team provided an excellent service with the purchase of our new home. They were always ahead of the game which led to a stress free purchase. We genuinely can’t recommend highly enough. Thank you.

Andrew Mcilwaine