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9 Questions to Ask When Buying A House in Bristol

First-Time Buyer Mortgage Advice in Bristol

The First-Time Buyer process in Bristol can be stressful for many who are new to buying homes, but it doesn’t have to be that way. To help you make the most of any future house viewings you undertake, we’ve compiled a list of nine questions to ask when buying a house as a First-Time Buyer in Bristol or a Home Mover in Bristol.

For expert Mortgage Advice regarding the process or to get the ball rolling on a mortgage of your own, please Get in Touch.

The 9 most common questions:

1. Has there been much interest in the property or development?

If you are able to find out roughly how many people have viewed or enquired about the house in question, you’ll be able to more accurately gauge how much ‘thinking’ time you have before you need to make a final decision.

You must be prepared to act quickly, especially if the property is popular amongst viewers, as someone could quite easily take it from underneath your nose and leave you looking for another property all over again.

2. Is there a Property Chain?

A “Property Chain” is where, for example, the property you’re in line to purchase cannot be sold until the person currently living in it has moved into a property that they like, and so on. Sometimes there can be a large group of people all waiting on another person in front of them to move, so that their process can be underway. Whether or not the property you are looking at purchasing is part of a “chain” can have large impact on the process.

If there’s no onward chain, it’s most likely that you’ll be able to move quicker than those who are in one, especially if you’re not contributing to that chain. If you have no need to sell your own property prior to moving, then you’ll have more leverage as a home buyer. This is because you won’t be holding up the process of someone buying a home.

Make sure you use this to your advantage during any negotiations you have with a seller.

3. What’s included in the sale of the property?

If you’re buying a used property, as opposed to a new build property, then you might find the previous owner is leaving behind various items or pieces of furniture. We often hear about things like white goods (like kitchen and washroom appliances) or even garden sheds being left.

This can be fantastic news for home buyers who are happy to cut out the middleman and take what is already there, however if you don’t want these, you will have to factor in disposing of them yourself.

On the other hand, if you are buying a new build property, there might be optional extras you can buy which will be ready for you once you have moved into the property.

4. What are the properties neighbours like?

When moving into an area that you’re particularly unfamiliar with, it’s worth enquiring to see what the neighbours are like, as neighbours can sometimes make or break your experience of living in your home. If instead you opt to move to a new home development site, you and your neighbours will be the ones creating the community, something that can also present a risk.

5. How much does it cost to run the property?

The costs of running a property can vary depending on the house, so it is important to do your research and ask the right questions. Make sure you take the time to find out how much the Council Tax is, along with with the average amount required to spend on utilities.

This can be achieved by asking the seller or doing your own research online. Finding out this information can help you figure out your budget for the property, prior to making an offer.

6. Which way is the house facing?

If you like to partake in relaxing in the garden on summer evenings or reading books in natural light, the direction the house faces can be a huge factor in where you choose to live. However, you’ll often find yourself paying a higher price for a south-facing garden, as they receive the most sunlight throughout the daytime.

7. How much work will be required post moving in?

Once again, this is something that can have an impact on your budget for a place. Therefore, some helpful things to enquire out about are:

  • Improving energy efficiency
  • Changing the décor
  • Addressing damp problems

8. Are you open to offers on the property?

Negotiation is a common part of the process of buying a home, people do this all the time. Therefore, find out how to approach making an offer, especially if you’re nervous about doing such. A trusted Mortgage Broker in Bristol will be able to help you prepare for this. Then, if you’d like to buy the home, you’re ready to do so.

It is also worth speaking to the seller or estate agent to determine what offers will be considered too low or too high. Find out if any recent offers on that property have been made and rejected.

9. When can we move into this property?

By setting a date in your calendar, you will be able to plan your other jobs, such as instructing a conveyancing solicitor, packing your belongings in your current home and then arranging a removal van and moving.

Moving Home Mortgage Advice in Bristol

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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