At Alan Francis, our extensive knowledge spans 80 years combined experience, giving us unrivalled local knowledge to answer all your questions, our mature minded friendly, professional Sales Consultants are here to help you. Q. How long will it take to purchase my new home   A. There are three main stages involved in any conveyancing transaction: 1. Sale Agreed 2. Exchange of contracts 3. Completion. Normally the proceess can take up to three months. Q. Can I get a mortgage offer before I find my property? A. Yes. We can help you choose the mortgage that suits you best and get an 'agreement in principle' from a lender. But, your lender won't make a formal mortgage offer until a valuation has been carried out on the property you wish to buy or remortgage. Q. What other costs might I incur in taking out a mortgage?   A. You should be aware that, on top of the mortgage cost, you're likely to have to pay a valuation fee and booking fee for fixed rates. You'll also need to pay arrangement and search fees, land registry fees and legal costs, as well as stamp duty on properties over £125,000.Your lender will insist that you take out adequate buildings insurance. Q. Any other questions?   A. If you have any question for us, please do not hesitate to contact us