Buying a Property in the UK

BUYING A PROPERTY IN THE UK

If you plan to live in the UK for the forseable future you may decide to buy, rather than rent, a property. Before you start looking at properties it is vital that you have the following in place: + A solicior to carry out the legal work involved with a purchase. + Appropriate funds. In this document we have provided you with a panel of solicitors and mortgage advisors to help you get started. It is important to note, these are in no particular order and that due to strict UK regulations, Dwellworks is unable to recommend any solicitiors or mortgage advisors. SOLICITORS You will need to employ a solicitor to assist with the paperwork needed to purchase a house. Please see below some contact information for various solicitors: + Darlingtons https://www.darlingtons.com/conveyancing + Russell-Cooke https://www.russell-cooke.co.uk/sectors/individuals/residential- property/buying-and-selling-residential-conveyancing/ + Slater & Gordon https://www.slatergordon.co.uk/property/residential-property/buying- a-property/ + Stephensons https://www.stephensons.co.uk/site/individuals/srvhouse/london_conveyancing_solici tors/london_conveyancing_services/ + William Bailey Solicitors https://williambaileysolicitors.co.uk/#about GETTING A MORTGAGE You can obtain a mortgage in the UK without being a UK citizen, however you will need some credit history and confirmation that you are allowed to earn money in the UK. For more information about how to improve your credit history ask your Dwellworks consultant for our ‘Credit History’ guide. To get a standard UK mortgage you will need evidence that you have: + Lived in the UK for at least 2 years. + UK bank account. + Permanent job in the UK. + Sizeable deposit (as much as 25%). + Visa/residents permit (if applicable). If you have not been in the UK for as long 2 years, there are some specialist mortgage advisors who may be able to assist you. You may also wish to have a look at this comparison website to choose your solicitor: https://www.reallymoving.com/conveyancing/directory/london

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BUYING A PROPERTY IN THE UK

MORTGAGE ADVISORS Below are some mortgage advisors who can give independent advise and help you decide which mortgage company to go with. Advice for standard UK mortgages: + Fitch and Fitch http://www.fitchandfitch.co.uk + Jackson Potter Limited https://www.jacksonpotter.co.uk/ + Mortgage & Insurers Solutions https://mortgagesandinsurers.co.uk/ + Thornhill Square http://thornhillsquare.co.uk/ Advice for those who have not been in the UK for 2 + years: + Enness Global Morgages https://enness.co.uk/ + G Force Mortgages Ltd https://www.gforcemortgages.co.uk/foreign-national- mortgages.php + Rock Hopper http://rockhopper.uk.net/

NB : You must have a mortage agreed in principle before you start looking at properties to buy.

© Dwellworks, LLC

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v. 2019