This is a recording of the first ever paid members live stream. It was an experiment recorded on Sunday 12 March 2023.

See the video of this podcast here: https://youtube.com/live/YWI8Cx3W_N0

The aim is to provide insights specific to first time buyers, in particular in your dealings with estate agents.

If you don't already have one, I have hand picked a selection of mortgage brokers I trust and you can contact them here: https://mhwc.co.uk/mortgage

If you have any private messages or feedback for me, please message me via the https://buymeacoffee.com/mhwc page.

Thank you for joining me on this journey, I hope I can help!

All the best in the hunt for your home. Charlie

Links from the video:

1. Stamp Duty: https://www.gov.uk/stamp-duty-land-tax

2. Mortgage Brokers, sometimes free, sometimes a fee payable in advance of £200-£500.
My mortgage partners: https://mhwc.co.uk/mortgage

3. CONVEYANCING EXAMPLE SPECIMEN (not a quote!)
Sale of Regional Freehold Property with value  c.£300k
Sale:
Legal Fees £ 1,250.00
VAT at 20% £ 250.00
Supplements
Mortgage Lender Fee (If Applicable) £ 100.00
Bank Transfer Fee (Per Transfer) £ 45.00
Enhanced Electronic ID Fee (Per Client) £ 15.00
VAT at 20% £ 32.00
Disbursements
Land Registry Fees £ 6.00
Total (Including VAT): £ 1,698.00

Search Pack (If Required) £ 325.00

If leasehold:
Leasehold Fee £ 350.00

4. Surveyors. Several types:

- A mortgage valuation is a specific type of assessment done by the mortgage lender to help them confirm the property’s value. It’s also used to see if the property will be a suitable security for the loan you’ve applied for. Your lender will usually arrange a mortgage valuation. Some are offered free, typically they start at £250, and can easily reach £1,000 if you're not careful and choosy.

RICS Home Surveys - a highly recommended step. What's the condition of the home?
https://www.ricsfirms.com/residential/moving-home/surveys/rics-consumer-guide-home-surveys/

The 10 step timeline:

1. Deposit Funds in place, with proof. 
2. Making the decision to buy (get a mortgage broker now)
3. Knowing what you want.
4. Registering with agents (being prepared)
5. Booking Viewings (line up a conveyancer now)
6. Viewing Properties
7. Making Offers
8. Ag

Support the show

Follow me on X for daily updates: https://x.com/moving_charlie

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents