It is obvious that you look at all the rooms of the house, but also try not to skip other rooms. For example, don’t forget the shed, the basement, the balcony or a roof terrace. Also, ask if you can view any built-in cupboards or crawl spaces. And if possible, view the roof to see if it is in good condition. Look for the best choices in https://www.brentwoodtnhome.com/ here now.
The house is of course presented to the selling party in great detail. The trick is to look through that presentation. Therefore, test the house: open doors and windows turn on the taps and flush the toilet.
Ask the right questions
Make sure you have at least asked about the insulation of the home.
- Is there double glazing?
- Are there moisture problems?
- The central heating boiler.
- How old is the boiler?
- An average central heating boiler will last for 15 years.
- Cracks or crooked floors.
These may indicate the subsidence of the house. You probably won’t get an answer to everything immediately. That’s okay. You can also choose to go into the details of the house only on the second viewing. Your first viewing will then focus on the nice or practical issues of the house, instead of the technical ones. Keep an eye on it. If there are major shortcomings in the property, then it is necessary to have the broker’s answer in black and white. With an oral answer, you have no leg to stand on. Say that you would like it if the broker explained his answer to your question a little further by e-mail.
Schedule a second viewing
Still enthusiastic then schedule a second viewing: You will now notice a lot of details that you have overlooked the first time. During your second visit, ask the questions that you forgot the previous time.
This time make sure you have a few extra eyes to watch with you during the viewing. Preferably someone with architectural knowledge, but also a father or uncle who is not yet in love with the house sees much more than you do.
Look at the possibilities in terms of design
Pay attention to the more practical points of the home during the second viewing. Where is the washing machine connection? Where does the TV and internet connection come in? Is your beautiful large couch going to fit in the living room? And is there a beautiful oak floor in it or will the house be delivered bare?
The mortgage application
After a consultation in which the choice for a mortgage has been made, the actual mortgage application follows. This application is the foundation for the mortgage offer: the offer that the bank makes to you.
The following items are listed in this mortgage application:
- The amount of the mortgage amount
- The mortgage interest rate
- How much you will pay per month.
In addition, you receive a kind of to-do list from the bank. You must provide a number of documents:
- Proof of identity
- Employer’s statement
- Payment slip
- Appraisal report
That’s why the preparation we were talking about at the beginning of this article is so important. The precise documents to be supplied depending on your situation and the bank that makes the offer to you. With a complete file, the bank will assess your application.