The Buying Process
Understanding Your Budget
Your Existing Property
If you’re a homeowner looking to move, it’s worth arranging a valuation of your current property.
Mortgage Consultation
Finding the right mortgage doesn’t need to be complicated. We work with Meridian Mortgages, who can help you explore your options and find a mortgage suited to your circumstances.
Meridian Mortgages
Choosing Your New Home
Once you have established your budget, explore the ‘Plots Available’ section of your preferred Esmera development. If you are ready to proceed, you can reserve a plot, subject to an exchange of contracts.
If the plot you have your eye on hasn’t been released just yet, register your interest with our team and we’ll keep you updated as soon as it approaches release.
Developments
What You Will Need to Reserve
To secure your chosen plot, we’ll ask you to provide the following:
- Proof of funding
- Confirmation of proceedability
- Reservation deposit
Once your reservation is confirmed, the price of your chosen plot will be fixed until the agreed exchange of contracts date.
Post Reservation
Legal Process
Once you’ve reserved your new home, it’s time to get the legal process underway. Contact your chosen solicitor to instruct them to act on your behalf.
Mortgage Application
If you haven’t already done so, now is the time to submit your mortgage application.
Your Choices
Shortly after reserving your new home, and depending on the build stage, you’ll be invited to a choices appointment with our Sales Manager.
This is your opportunity to personalise your home by selecting from our available kitchen finishes, flooring options and additional extras.
Exchanging Contracts
Once all legal enquiries have been satisfied and your mortgage offer is in place, you’ll be ready to exchange contracts. At this stage, you’ll sign the contract, agree a completion date and pay your exchange deposit, which is usually 10% of the purchase price.
Pre-Completion Inspection
Before completion, we’ll arrange a Pre-Completion Inspection with our Sales Manager and Site Manager, giving you the opportunity to walk around your new home and familiarise yourself with the property.
Any agreed items identified during the inspection will be recorded and addressed ahead of handover.
Professional Inspections
If you would like to appoint an independent professional to inspect your home before completion, please read our policy first.
Professional Inspections
Legal Completion & Handover
On your completion day, once your solicitor has confirmed receipt of the remaining balance, we’ll arrange for you to collect the keys to your new home.
You’ll also receive a handover pack containing important information about your property, including guidance on its features, maintenance and aftercare.
Post-Completion
Your handover pack will provide useful information to help you settle into your new Esmera home.
If you experience any initial issues or have questions after moving in, our dedicated Customer Care Team will be on hand to offer support and assistance.
