Buyer FAQs

Cottingham is a picturesque village with a rich history, offering a perfect blend of rural charm and modern conveniences. It boasts an excellent array of local amenities, including independent shops, cosy cafes and outstanding schools, making it an ideal location for both families and professionals. The village also offers easy access to Hull and other surrounding areas, providing the perfect balance of peaceful village life and city conveniences.

Budget and Financing: Before starting your property search, it’s crucial to have a clear understanding of your budget. Consider not only the purchase price but also additional costs such as stamp duty, solicitor fees, and any potential renovation costs.

Location: Think about what’s important to you in a neighbourhood, such as schools, amenities, transport links, and the community vibe.

Property Type and Features: Consider what type of property suits your lifestyle and future plans. Think about the number of bedrooms, garden space, and any other features that are important to you.

Simply contact us at Lovelle Cottingham with your property interests and availability. We’ll arrange viewings at times that suit you, including evenings and weekends. We recommend viewing multiple properties to get a feel for what’s available in your price range and desired area.

Making an Offer: Once you’ve found a property you love, you can make an offer through us. We’ll communicate your offer to the seller and negotiate on your behalf.

Conveyancing: If your offer is accepted, we’ll help you start the conveyancing process. This involves hiring a solicitor or conveyancer to handle the legal aspects of the purchase.

Survey and Mortgage Offer: It’s advisable to have a survey done on the property to check for any potential issues. Meanwhile, your mortgage provider will finalise your mortgage offer.

The timeline can vary significantly depending on various factors such as the chain, conveyancing timescales and survey findings. On average, the process can take anywhere from 6 to 12 weeks from offer acceptance to completion. We’ll keep you updated at every stage and work to ensure the process is as smooth as possible.

Beyond the purchase price, buyers should budget for:

• Stamp Duty Land Tax (SDLT): Depending on the purchase price and if you’re a first-time buyer, you may be exempt or eligible for reduced rates.
• Conveyancing Fees: These cover the legal work involved in buying a property.
• Survey Costs: Varying types of surveys are available depending on how in-depth you want the inspection to be.
• Mortgage Arrangement and Valuation Fees: Charged by lenders for setting up your mortgage.
• Removal Costs: Depending on how much you’re moving and how far, these can vary.

Yes, non-UK citizens can buy property in the UK. However, it’s important to check your eligibility for a mortgage and understand that you may need to provide additional documentation.

At Lovelle Cottingham, we offer a comprehensive range of services to support you through your home buying journey. From helping you find the right property to negotiation and conveyancing support, our team is dedicated to making your dream home a reality. We pride ourselves on our local knowledge and personalised service, ensuring you find the perfect home in Cottingham.