A light discussion on the steps involved in a property purchase transaction in the United Kingdom. From the mortgage process to the Conveyancing process by SeersCroft Rocks.
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Buying a property the journey - 001
1. I KNOW WHO I
AM
We are a chosen generation
We've been called forth to show His excellence
All I require for life, God has given me
And I know who I am
We are a chosen generation
We've been called forth to show His excellence
All I require for life, God has given me
For I know who I am
[Chorus 1]
I know who God says I am, what He says I am
Where He says I'm at, I know who I am
I know who God says I am, what He says I am
Where He says I'm at, I know who I am
I'm working in power, I'm working miracles
I live a life of favour, for I know who I am
I'm working in power, I'm working miracles
I live a life of favour, for I know who I am
3. CONTENTS
Introduction of Team
01
Introduction of Case
Study
02
Accountant discusses
how to prepare for
yourself for a
mortgage
03
Mortgage Broker
discusses mortgage
process
04
Conveyancer discusses
purchase process
05
5. WHO AM I
My Background
Council Estate – Married 34
years – 4 Children – 3
Grandchildren
Left school August 1970 –
Lloyds Bank – Left Lloyds
2000 – Started own
business
6. WHAT DO I
DO?
• I arrange finance for people to purchase or
remortgage properties for their own occupation
or for investment purposes
7. WHY USE ME
Independent
Whole of market – have 95% of Lenders
available
Experience – very experienced team who
have dealt with most scenarios
Client care – exceptional – all our
business comes from referrals and
recommendations from professional
connections and existing clients.
8. WHAT WILL
WE DO
• We will hold your hand and help you through
the whole process from where you are now to
where you want to be.
11. HOW CAN WE
HELP
We specialise in helping out client manage there cash flow by provide
apps.
Providers a wide range of accounting services from bookkeeping and
payroll all the way up to year end accounts and tax filing.
Experts with online accounting software.
Modern Day Practice.
13. WHO AM I
Background
Born & raised in Nigeria
First daughter of two hardworking
parents
Pyschologist
Graduated from EDSU which is
know known as Ambrose Alli
University – AKA WAR COLLEGE.
14. WHAT DO I DO
I AM ABLE TO REPRESENT ANYONE WHO IS LOOKING TO BUY SELL OR TRANSFER
TITLE ON A PROPERTY WITH THE LEGAL PROCESSING OF THE TRANSACTION.
17. CASE STUDY – AN EXAMPLE
DETAILS
1
MR & MRS
ROBINSON
2
MR
ROBINSON
IS A SELF
EMPLOYED
MECHANIC
3 YEARS.
NET
PROFIT
2016 -
12,000 ,
2017 -
£14,000 ,
3
MRS
ROBINSON
WORKS
PART TIME
AS A
NURSE AT
THE LOCAL
HOSPITAL
SALARY
£15,000 PA
4
THEY HAVE
2
CHILDREN
AGED 9 &
11
CURRENTL
Y AT
SCHOOL.
CHILD
BENEFIT
RECEIVED
£1,788 PA
5
THEY LIVE
IN A 2 BED
FLAT IN
SWINDON
THAT THEY
BOUGHT
10 YEARS
AGO
6
THEY NEED
A BIGGER
PROPERTY.
7
FLAT SOLD
FOR
£175,000.
OUTSTAND
ING
MORTGAG
E £75,000
8
FOUND 3
BED
TERRACED
HOUSE
THEY
WANT TO
BUY FOR
£250,000.
9
NEED TO
INCREASE
MORTGAG
E TO
£175,000
1
0
MR
INCOME
FOR 2016
& 2017
NOT
ENOUGH
TO GET
MORTGAG
E THEY
NEED SO
ACCOUNT
ANT’S HELP
NEEDED
18. CASE STUDY – AN EXAMPLE
ACCOUNTANT ROLE
Provide a copy of the previous 2 years tax calculations (SA302)
Provide the current tax years overview for proof of 2018 self employed earnings.
Accountant Statement for the current years tax overview.
19. CASE STUDY –
AN EXAMPLE
MORTGAGE
ADVISER ROLE
ACCOUNTANT CONFIRMED 2018
BETTER YEAR AND NET PROFIT
WILL BE £21,000.
NAT WEST WILL WORK WITH THE
2018 INCOME AND AMOUNT
THEY NEED FITS AFFORDABILITY.
RECOMMEND 5 YEAR FIXED RATE
FOR STABILITY AND TO ALLOW
CHILDREN TO BECOME LESS
DEPENDENT.
PRODUCT SELECTED 5 YEAR FIXED
RATE AT 1.94%. REPAYMENT TERM
30 YEARS. MONTHLY PAYMENTS
£646.
AGREED WITH CLIENTS.
PAPERWORK COMPLETED
APPLICATION SUBMITTED.
SOLICITORS APPOINTED.