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Buying at auction – Our step-by-step guide

Buying at auction – Our step-by-step guide Buying a property at auction can be a great way to bag a bargain. The key is to be fully prepared. Check out our step-by-step guide to the basics. Get your finances in place It may seem a little early to be talking mortgages, but unless you intend to…

Guiding you through your remortgage

Your Remortgage – guiding you through the process. Confused about how a remortgage works? We know moving to a new mortgage lender can be a daunting prospect, especially if you’ve not done it for a while or in fact ever! We understand that and want to help reassure you that it needn’t be as scary…

What is a conveyancer?

What is a conveyancer? Confused about what is meant by the term ‘Conveyancer’? “Conveyancing” is the term used to describe the area of law which deals with the legal process of the transfer of property. Put simply then, a “Conveyancer” is a legal representative who carries out this service on behalf of customers who are…

Right to buy: Am I eligible?

The Right to Buy scheme is a fantastic way to purchase your first home. However, if you are new to the property ladder, you may not be aware of what makes you eligible to qualify for Right to Buy discounts. In May 2015, the eligibility rules for Right to Buy changed; occupants now only need…

Remortgaging – how long does it take?

Are you unsure about the remortgage process? Do you have questions about how quickly things happen? This article will clear up any confusion, answer some of the most frequently asked questions about remortgage timescales and provide advice about how you can help speed up the process. How long does the process take? Some of the…

Explaining exchange and completion

In any house sale or purchase, everyone is usually focused on two key events, the first being “exchange of contracts” and the other being “completion”. This article will aim to explain more about this process. At any point up to exchange of contracts, the agreement to buy or sell a property is not legally binding….

Five tips for a stress free move

As it is well documented, moving home can be a very stressful event. Therefore it is best to plan your move as much as possible and be prepared for the unexpected! With so many parties involved (especially if you are in a big chain) there can be bumps along the way. Here are our top…

What’s the best way to repay your mortgage?

What’s the best way to repay your mortgage? When you take out a mortgage on a property, you’ll need to decide how to pay back the loan. In most circumstances, a ‘repayment’ mortgage is the most appropriate choice, and indeed it’s also the most commonly used. But there is another option available – interest-only. So…

Guiding you through your remortgage

Your Remortgage – guiding you through the process. Confused about how a remortgage works? We know moving to a new mortgage lender can be a daunting prospect, especially if you’ve not done it for a while or in fact ever! We understand that and want to help reassure you that it needn’t be as scary…

Remortgaging – how long does it take?

Are you unsure about the remortgage process? Do you have questions about how quickly things happen? This article will clear up any confusion, answer some of the most frequently asked questions about remortgage timescales and provide advice about how you can help speed up the process. How long does the process take? Some of the…

Completing your Remortgage Questionnaire

Have you received your remortgage questionnaire and don’t know where to start? Do you need some help from us so that you can complete it? This article will talk you through why the questionnaire is important and what information we need. Why do I need to complete the questionnaire, I have already given this information…

Should you remortgage?

Should you remortgage? Taking out a new mortgage on a property you already own is known as remortgaging. Why should you remortgage? There are plenty of good reasons to take this step – and several good reasons why it might not be the best idea for you. If you’re thinking of remortgaging, check out our…

What is equity release?

Equity release: The fastest growing sector in the mortgage market What is equity release? Equity release provides homeowners over the age of 55 with the option to release money from their home. They can continue to live in the property whilst supplementing their income without necessarily having to commit to any monthly repayments. A lifetime…

Completing your Mortgage Deed

Questions about your mortgage deed? Not sure how to complete the deed correctly? Reading this article will set your mind at ease and guide you successfully through this process. What is the Mortgage Deed? This can sometimes be known as the legal charge form. Your mortgage deed is usually a 1 or 2 page document…

Understanding your Transfer of Equity

Confused about what a Transfer of Equity is? Unsure about what happens and what you need to do? This article will help you understand this process in more detail. What is a Transfer of Equity or Transfer of Title? A Transfer of Equity or Transfer of Title is when someone is added or removed from ownership…

Information about your redemption statement

Do you have questions about your redemption statement? This article shows some of the most frequently asked questions about what a redemption statement is, early redemption penalties and timescales. What is a redemption statement? A redemption statement is provided by your current lender and will tell us how much you owe on your existing mortgage. Do…

Buying at auction – Our step-by-step guide

Buying at auction – Our step-by-step guide Buying a property at auction can be a great way to bag a bargain. The key is to be fully prepared. Check out our step-by-step guide to the basics. Get your finances in place It may seem a little early to be talking mortgages, but unless you intend to…

What is a conveyancer?

What is a conveyancer? Confused about what is meant by the term ‘Conveyancer’? “Conveyancing” is the term used to describe the area of law which deals with the legal process of the transfer of property. Put simply then, a “Conveyancer” is a legal representative who carries out this service on behalf of customers who are…

Explaining exchange and completion

In any house sale or purchase, everyone is usually focused on two key events, the first being “exchange of contracts” and the other being “completion”. This article will aim to explain more about this process. At any point up to exchange of contracts, the agreement to buy or sell a property is not legally binding….

What is a Local Authority search?

The price of the local authority search will be included as part of the conveyancing quote. These searches are required in most property transfers, especially when a mortgage provider is loaning money to the person buying the house. The conveyancer will usually request these searches on your behalf. Local authority searches are an incredibly important…

Investing in buy-to-let property

Investing in buy-to-let property Very simply, buy-to-let is the process of buying a property in order to rent it out to tenants. In recent years, the rental market has enjoyed a significant boom, as fewer people are choosing to buy or sell their homes, and opting to rent instead. Despite the healthy rental market, ‘buy-to-let’…

Pros and Cons of buying a new-build home

Buying a new build property                Buying a new-build home can be a great choice, no matter what stage you are at in life. Whether you’re a first time buyer, a growing family or retiree, there are lots of great new-build options out there. Why choose new-build? Make it your own Most new developments offer buyers…

How to keep a property chain moving

So what is a chain, anyway? A property chain is a term used to describe a group of buyers and sellers, who are buying and selling properties from each other. Each party is linked together in a ‘chain’. The chain has a beginning, for example a first-time buyer, and an end, someone who is selling…

Buy-to-let mortgage guide

Buy-to-let mortgage guide Do you need a buy-to-let mortgage? Despite recent changes, designed to put the brakes on the booming ‘buy-to-let’ market, buying a property to rent out remains a popular choice for many investors. As a landlord, you’ll now pay more stamp duty and some tax breaks have been removed, but if you find…

Getting the best from your conveyancer

Your conveyancer Your conveyancer will play a big part in the process of moving home – it can be a stressful and busy time, and people often cite the legal aspects of moving as the most difficult part of all. This is largely due to the fact that most people don’t really understand the conveyancing…

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Five tips for a stress free move

As it is well documented, moving home can be a very stressful event. Therefore it is best to plan your move as much as possible and be prepared for the unexpected! With so many parties involved (especially if you are in a big chain) there can be bumps along the way. Here are our top…

Space saving solutions

Space saving solutions If your home is on the smaller side, you’ll know that you sometimes need to be creative when it comes to finding space to store your belongings. If you’re selling your home, finding a place for your things is even more important. Smaller homes can feel chaotic and messy if there are…

Property viewing advice

Property viewing advice When you’re viewing a property, there are a number of ‘golden rules’ that you should always bear in mind. Keep emotions at bay Firstly, let your head rule over your heart. Yes, it can be difficult to remain objective when you’re viewing a place that could be your ‘forever’ home. You can’t…

Boost kerb appeal

Selling up? Boost your kerb appeal! If you’ve ever watched a property programme on TV you’ll surely have come across the term ‘kerb appeal’ in relation to selling a property. If you’re putting your home on the market, it’s certainly something you should consider. So what exactly is kerb appeal, and how do you get…

How to keep a property chain moving

So what is a chain, anyway? A property chain is a term used to describe a group of buyers and sellers, who are buying and selling properties from each other. Each party is linked together in a ‘chain’. The chain has a beginning, for example a first-time buyer, and an end, someone who is selling…

Questions to ask the seller at a property viewing

Questions to ask the seller at a property viewing If you’re just starting out on your house-hunting journey, it’s common to feel unsure about what to ask the seller during a property visit. It’s a good idea to take along a checklist, at least to the first two or 3 house viewings, so you’ve got…

Property Hotspots 2018

Property Hotspots 2018 Where are the property hotspots that are going become popular in 2018? Thinking of investing in a buy-to-let? Or perhaps you’re looking for your next home and want to know where to buy to get the best return. Well, you’re not alone. Good old bricks and mortar remains a popular choice for the…

Getting the best from your conveyancer

Your conveyancer Your conveyancer will play a big part in the process of moving home – it can be a stressful and busy time, and people often cite the legal aspects of moving as the most difficult part of all. This is largely due to the fact that most people don’t really understand the conveyancing…

How much deposit do I need?

How much house deposit do I need? Saving for a house deposit on your first home can seem like a gargantuan task. Nowadays, it’s essential to have a substantial amount to offer as down-payment on a home. Fifteen years ago, 100% mortgages were commonplace, however the credit crunch of 2008 meant that lenders could no…

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Right to buy: Am I eligible?

The Right to Buy scheme is a fantastic way to purchase your first home. However, if you are new to the property ladder, you may not be aware of what makes you eligible to qualify for Right to Buy discounts. In May 2015, the eligibility rules for Right to Buy changed; occupants now only need…

What kind of survey do you need?

What kind of survey do you need? Having a property survey done is one of the most important steps on the journey to homeownership. Your home is probably the biggest purchase you’ll ever make, so you’ll want to know in advance if there are any underlying issues. After all, you don’t want to risk any…

Prices you continue to pay after you’ve bought

If you’ve decided to purchase your council-owned property and want to take advantage of the Right to Buy government scheme, this will help you to own your own home at a reduced price. However, there are still a variety of ongoing costs that you, as a homeowner, will be required to pay after you have…

Possible complications to prepare for with Right to Buy

The Right to Buy scheme gives council tenants the option of owning their own home at a greatly reduced rate, helping thousands of people to get on the property ladder. Nonetheless, like any major decision, there are potential complications that you should be prepared for with Right to Buy. We at Enact have put together…

What is Right to Buy?

The Right to Buy scheme has been helping council tenants own their own homes for nearly 40 years. Introduced in 1980, the Right to Buy scheme assists those who live in properties owned by the council to purchase their home for a reduced rate, discounted by up to £78,600 for properties outside of London. For…

What’s the best way to repay your mortgage?

What’s the best way to repay your mortgage? When you take out a mortgage on a property, you’ll need to decide how to pay back the loan. In most circumstances, a ‘repayment’ mortgage is the most appropriate choice, and indeed it’s also the most commonly used. But there is another option available – interest-only. So…

Property viewing advice

Property viewing advice When you’re viewing a property, there are a number of ‘golden rules’ that you should always bear in mind. Keep emotions at bay Firstly, let your head rule over your heart. Yes, it can be difficult to remain objective when you’re viewing a place that could be your ‘forever’ home. You can’t…

The cost of buying your first home

The cost of buying your first home Received wisdom has it that the cost of getting on the property ladder these days is prohibitively high. More and more millennials and young adults are choosing to stay in the family home, or rent long-term, rather than buy a property. The need for a large deposit, job…

Questions to ask the seller at a property viewing

Questions to ask the seller at a property viewing If you’re just starting out on your house-hunting journey, it’s common to feel unsure about what to ask the seller during a property visit. It’s a good idea to take along a checklist, at least to the first two or 3 house viewings, so you’ve got…

Helping your children to buy a home

Bank of Mum and Dad – Helping your children to buy a home The so-called bank of Mum and Dad may be the quickest and easiest way to help grown-up children on to the property ladder. If you think you could be in a position to help your children with the financial aspects of home…

Property Hotspots 2018

Property Hotspots 2018 Where are the property hotspots that are going become popular in 2018? Thinking of investing in a buy-to-let? Or perhaps you’re looking for your next home and want to know where to buy to get the best return. Well, you’re not alone. Good old bricks and mortar remains a popular choice for the…

Getting the best from your conveyancer

Your conveyancer Your conveyancer will play a big part in the process of moving home – it can be a stressful and busy time, and people often cite the legal aspects of moving as the most difficult part of all. This is largely due to the fact that most people don’t really understand the conveyancing…

How much deposit do I need?

How much house deposit do I need? Saving for a house deposit on your first home can seem like a gargantuan task. Nowadays, it’s essential to have a substantial amount to offer as down-payment on a home. Fifteen years ago, 100% mortgages were commonplace, however the credit crunch of 2008 meant that lenders could no…

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