Why use Just 4 to find your perfect new home?... For absolute peace of mind!
With the warm, friendly professionalism of the Just 4 team, you will never doubt that every aspect of your property buying journey has been anticipated and taken care of; we pride ourselves on your satisfaction.
Resources for buyers
Step-by-step buying guideStep 1: Arranging your finances
Before you begin your property search it is advisable to look at your budget to decide beforehand what you are happy to spend, this will help to search for suitable properties that match your requirements, at this stage you will also need to consider if you will be applying for a mortgage.Step 2 – Arrange your Currency Exchange
If you are buying your property from overseas and are going to require to change money from your home currency is advisable to register with a good currency broker. By registering and consulting a good currency broker before starting your search you will save up to 5% against any transaction you undertake with the bank and they may even be able to help you stretch your finances even further.
You can register your details online or visit us in our offices, we are highly experienced in finding Just the property you are looking for, why not let us do the searching!Step 4: Finding the right property
At this stage you may well still be at home in the U.K, no problem! Once we have a clear understanding of the kind of property you are looking for we will send you a selection of properties to browse through at home. When you are happy with your short list it’s time to book that holiday and come and view your dream properties!Step 5: Viewing properties
One of the Just 4 team will always be on hand throughout your viewing appointment to advise and answer any questions you may have about the property.Step 6: Securing your new property
Once you have chosen your new home, it is very important to formalise your intention to purchase with a reservation deposit and a signed reservation agreement; this will remove the property from the market and exclusively reserve the property for you until the day that you sign the deeds for the property at Notary. (Please note should the vendor not continue with the sale for any reason your reservation deposit is fully refundable)Step 7: Instructing a solicitor
Your solicitor (which we can recommend) will now start compiling all of the necessary back ground checks on the property to ensure that the property is legally fit for sale, when everything is in place and all documents from Vendor and Buyer have been provided a date can be set to sign the deeds. If you cannot be here on the Island on the day of signing you can give your solicitor power of attorney to sign for you.Step 8: Receive the keys to your new home
When looking to finance your new property, there will be many different options and types of mortgages available to you.
At Just 4, we are happy to advise you on the package that will best suit your individual requirements. By working in conjunction with many reputable local banks we can help make the purchase of your new home as easy and trouble free as possible.Documents you will need for your mortgage application:
- Passport / Residence permit / Spanish Identity Card of applicants
- Tax Declaration (P60) for the last financial year
- 3 latest salary slips (employed workers)
- Proof of other income, if applicable
- Declaration deed for new building from developer (new building) or property deeds of the current owner (second hand home)
- Private sale-purchase contract or letter containing offer
- Proof of income tax payments made during the current financial year and declaration of assets (in the case of self-employed or independent professionals)
- N.I.E. (Foreign Resident's Number)