Everything you need to know about the process of buying a house
Download GuideEverything you need to know about the process of buying a house
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Customers, and the service we provide for them, are at the heart of everything we do. We know it matters to them to work with a local property expert that they can trust.
As a leading, community-focused estate agency in London, we’ve built a reputation for providing a transparent and trustworthy service to the local community. Our client reviews speak volumes.
But our passion for homes extends beyond refining our client service and offering over the years. We’re incredibly proud to play a part in creating strong communities that unite people and look for good causes that matter to local residents across Crouch End and Islington.
There are several different home mortgages available, all at different rates. A mortgage and protection adviser can help you find the right mortgage for you and will assist you through the application process.
We do not charge for our advice. Instead, we simply charge a fee for arranging your mortgage of up to 1.5% of the mortgage amount. A typical fee is £399. We will not charge a fee to existing clients for arranging a residential re-mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
When you buy a flat, the lease on the property comes with a share of ownership of the building. Leaseholders in a block with several properties often choose to buy the freehold between them and so share of freehold gives them more control over the management of the property.
When you buy a property that is termed ‘leasehold’, part of the service charge may be paid into a sinking fund. The sinking fund builds up over the years to cover future projects that may be needed to repair or improve the building. The freeholder or the property management company will be responsible for the service charge management and will notify leaseholders if part of the service charge will be paid into a sinking fund.