Most house purchases take 10 weeks. That's 70 days from start to finish.
Here's what needs to happen:
Your job makes buying harder. You have:
Most mortgage lenders don't understand medical jobs. They ask lots of questions. This slows things down.
Don't look for houses first. Get your mortgage sorted instead.
A specialist medical mortgage broker can help. They understand your job. They work with the right lenders. This saves weeks of time.
Get a Decision in Principle first. This shows you can afford the house. Sellers will take you seriously.
Once your mortgage is ready, start house hunting:
Houses that have been for sale for a while often have keen sellers. These deals move faster.
Have these documents ready:
Being organised helps everything move quicker.
You need a solicitor for the legal work. Pick one who:
Don't just pick the cheapest. Good solicitors save time.
Things that can slow you down:
Plan for delays. If everything goes smoothly, you'll have extra time.
Reasons to move:
Want to move before Christmas? Do this now:
70 days is enough time. But only if you start today.
