First time buyers start here
If you are thinking about, or are have put an offer in on your first property we can provide help and advice with regard to building surveys, often known as structural surveys, home buyers reports, independent valuations, property surveys, engineers reports, structural reports, specific defects report or any other property matters .
We are independent building surveyors and unlike many surveyors we like to meet you at the property during the survey to answer any questions you may have and talk you through our survey process.
Please feel free to call us on free phone 0800 298 5424 for a chat with one of our surveyors.
Free phone 0800 298 5424
Where to start?
It is always very difficult to know where to start when you are looking for your new house. If you are reading this article you are probably starting in the right place and the Internet in general is a great place to search for new houses and our website has lots of useful information for first time buyers and second time buyers and even experienced buyers and we give independent advice.
The reason we give independent advice is because we are independent building surveyors and valuers and we hope from reading our articles you will appreciate the importance of having your own independent advice when buying a house.
A bit more about the website
If you go to our home page www.1stAssociated.co.uk and scroll down you will see all the articles which are sub-divided into the various sections. We have written a series of articles for first time buyers that talk generally about it, such as this article. It talks specifically about the characters you will meet, such as the estate agent and the financial adviser / sales person. These people will help or hinder you in the buying a house process and getting a mortgage.
We also talk about the people that you won't see, as the solicitors and chartered surveyors and give you help and advice with regard to these.
Here are some links to some examples of these:
First time buyers, where to start
Take good time as a first time buyer
We would also recommend you take your time as a first time buyer and not be rushed into a purchase that you may later regret, no matter how good a property deal you are being offered usually something else will come along sooner or later.
Find a trusted and knowledgeable friend to discuss your house with
Remember the estate agent is selling a house for someone else
What can an independent surveyor do for you?
A company such as ours offer you independent advice and enable you to purchase a property with your eyes wide open. We can advise via our executive summary (known as the Good, Bad and the Ugly) of any problems, their solutions and their anticipated costs.
Our Good, The Bad and The Ugly Survey Reports
What do the circles and ovals in our reports and articles mean?
Does your solicitor act for you and the bank?
There is a very unusual situation that happens in property buying that the solicitor acts jointly for yourself and the mortgage company (bank or building society). Remember, they are not just acting for you. As the mortgage company is a regular customer you need to be aware that they will have procedures and processes in place that we would say don't necessarily act in your best interests, so be very aware who the solicitor is acting for as well as you.
When do we instruct a chartered surveyor you?
Again this can be a misleading area. Often you will have a chartered surveyor or chartered valuer who is working for the bank or mortgage company and is looking at the property from their point of view to see if they are happy to lend on it. The company is often part of the estate agent group or the mortgage lender, bank or building society and as such they may offer their services (and they may get commission for it) to carry out an additional survey for you whilst they are carrying out the survey for the bank. This all sounds very convenient but you do need to be aware of this potential conflict of interest and we feel regardless of what is said unless you have your own chartered surveyor working solely for you this can lead to problems.
We are a member of the Independent Surveyors and Valuers Association (often known as the ISVA) and you should look for the ISVA membership when appointing a surveyor.
We could say so much more but we will instead suggest you look at articles within our First Time Buyers section or articles within our various other sections.
Here are some links to other articles that we think may be of interest to you:
If you are first time buyer we recommend you have a building survey. Please contact us on free phone 0800 298 5424 to book a survey.
We would be happy to send you several examples of our building surveys or any other type of report via email.
We trust you found the article of use and if you have any experiences that you believe should be added to this article that would benefit others, or you feel that some of the information that we have put is wrong then please do not pause to contact us (we are only human).
We hope you found the article of use and if you have any experiences that you feel should be added to this article that would benefit others, or you feel that some of the information that we have put is wrong then please do not hesitate to contact us (we are only human).
The contents of the web site are for general information only and is not intended to be relied upon for specific or general decisions. Appropriate independent professional advice should be paid for before making such a decision.
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