BuyersGuide

Buying a property can be one of the most exciting but yet daunting tasks. We have pulled together a few pointers to help you along the way.

Budget

Most importantly you need to access what your affordability is.

Speak to a Mortgage Broker or your local Bank ( mortgage brokers will have access to the entire mortgage market)
Arrange a meeting to ascertain what your level of affordability is
Provide all necessary paperwork required including payslips

Our partner mortgage broker is Lloyd Edwards 07980644509 / 017373511150 - lloyd.edwards@bentleyholmes.com

The Search

Compile a list of must's, wants and absolute no's & decide on the area you wish to purchase in
Use all the tools available to see what is on the market including registering with local agents, signing up for Rightmove and Zoopla alerts etc. This will ensure that you will be notified as soon as properties come onto the market.
Try to be open minded when viewing something you may first think does not tick the boxes set out may just be the one
When you have found a property you will need to place an offer
Along with your offer as agents we will request proof of your position to purchase and financial qualification. This will include a copy of a mortgage agreed in principle or details for your mortgage broker.
Your offer will then be placed with the vendors with as much supporting information as possible
Upon your acceptance you will move onto the mortgage and conveyancing process

Mortgage and Solicitors

Mortgages

You will need to begin the formal application process with the bank or broker
They will require various documentation from you and sometimes payment for a survey
Your mortgage lender will carry out a mortgage survey for you, you may wish to proceed with a private Homebuyers or Buildings Survey yourself. A Homebuyers or Buildings Survey will look into the property in further detail including structural integrity, plumbing, roof, electrics and heating.
After your mortgage survey has taken place you should expect to receive a formal offer within 7-10 days
Your offer will also be sent to your solicitors

Solicitors

It is important that you choose your solicitors wisely, in this field you normally get what you pay for in terms of service
Your solicitors once chosen will send you documentation, it is imperative that you you return these asap so the process is not delayed
Your solicitors will require money for your searches, they will carry out a Local Search, Water & Drainage Search and Environmental Search
Your solicitors will raise any queries that they have and you have the opportunity to raise and queries you have
When your solicitors are in a position that they have everything and are happy as are you your solicitors will report to you with your contract papers
This will generally include the TR1, mortgage deed and contracts along with other documents.
Please get these signed, checked and witnessed and returned as soon as possible
Once everything is back with the solicitors and a completion date has been agreed we are ready to exchange ( if you are part of a chain everyone will need to be in this position and agreeable to the date)
Exchange will take place via a phone call between solicitors

Moving Day

Its finally here, the day has arrived. Today legal completion will take place.

Your solicitors will be in receipt of your remaining funds from the lender to carry out completion.
Funds will be sent onto the solicitors acting for the vendors, once received legal completion has taken place
Congratulations you are now the proud owner of your new home

Testimonials View all testimonials

Don't just take our word for it.

A great professional service. Communication was excellent throughout-this is the second time we have used Cromwell's and would thoroughly recommend them. Luke and Clare were brilliant!
Paul Glover, Vendor - December 2019

If you are looking for an estate agency firm in Worcester Park I would suggest that you look no further. Siobhan, Claire and Luke were brilliant from start to finish. We had complete trust and faith in them and they delivered. The whole team were knowledgeable about the current market conditions, which was key in the current conditions, always made themselves available to speak to us, including out of hours of business. Great care was taken when producing our property details and their commission rate was very competitive. It would take something expectional for us to use or recommend another estate agent within the local area.
Matthew Westbrook , Vendor & Buyer - February 2019

I am so glad I choose Cromwells, Worcester Park, to sell my property. From instructing them to sell our property to moving – they were professional, friendly, clam and helpful; made everything clear and used a high level of common sense in all their communications. Siobhan kept us fully updated with everything happening in the chain, she managed to keep the chain together and arrange a time agreeable (to everyone in the chain of 5), to move during the lockdown. Siobhan knew exactly what was happening in my case every time I called and if I asked her to find anything out she would get back with an answer straight away. Special thanks to Siobhan and Luke for making our move as painless as possible
Maggie Bayoumy, Vendor & Buyer - June 2020

I dealt mostly with Teresa and she was excellent very efficient, friendly and made the whole process simple and straightforward. Justin was also very helpful and constructive. Teresa organised an open day which got us a buyer. They handled all aspects of the sale and negotiations and did a great job for us. We were unfamiliar with the open day approach not having sold a property in the last two decades and neither of my siblings live in this area. Teresa explained and reassured with great patience over our groundless concerns. have already recommended them to others. I would certainly go to them again
Private , Vendor - November 2015

Excellent experience working with Clare at Cromwells. It was quite a tricky chain and she kept everything on track whilst being really communicative.
Alana Henderson, Buyer - December 2019

The service I received from Cromwells was excellent. The valuation was realistic, the viewings were hassle-free, and they found me a buyer very quickly. The fees were considerably less than those quoted by other agents and included the services of a very good solicitor. Luke, my agent, went above and beyond, keeping me informed throughout and even helping me with my onward search. I was really grateful for all their support, which made the whole process much easier.

Kevin Maddison, Vendor - August 2019

This Beautiful pillow made for us by our lovely vendors when they completed. Happy Client, Happy Agent.
Gift's from Vendors - July 2020

Ian and Teresa handled all aspects of our house sale and surpassed all our high expectations and delivered truly excellent service. They kept us informed every step of the way and the "after sales" management of our lengthy and problematic chain showed their professionalism and expertise. I would highly recommend Cromwells Carshalton Beeches!
Shareen Nasim, Vendor - October 2018

Moving is so stressful so it's very important to choose right Estate Agent. I spoke to 3 different agents and decided to choose Cromwells. I'm so glad I did they were fantastic throughout the process. Thank you Heather, George and Ashleigh.
Trish Smith, Vendor - April 2018

So pleased we chose Cromwells to sell our home. It was a bumpy road but each stage was dealt speedily and professionally by George. Thank you to Jason for the initial meeting and great photos and to George and Heather for completing the process, highly recommend!

Cath Cornet, Vendor - October 2018

We sold and bought houses with Cromwells and highly recommend them. Heather in the Cheam branch dealt with our purchase and provided us with an excellent service. She is professional, friendly and kept in excellent communication with us. She really went above and beyond to ensure our purchase went through.
Ricky Bell, Buyer - January 2019

We cannot praise Teresa and Ian highly enough for their hard work, kindness and dedication in what proved to be a protracted sale. They were so helpful throughout the sale and were only too happy to deal with any queries and problems as they arose. Such kind and dedicated staff are rare to find - well done Cromwells!
A & T, Vendor - March 2018

Cromwells have been outstanding right from the word go. Their attention to detail and communication skills are second to none and they sold my property and got the full asking price. Everyone in the Worcester Park Branch is friendly, cheerful and nothing is too much trouble. My thanks go to Clare, Siobhan, Luke and all the team and I shall miss speaking with you all.
Miscura, Vendor - May 2017

Had the most positive experience during an incredible difficult time. Buying a house during a pandemic is hard enough!! Siobhan is exceptional at her job. So professional. Nothing was too much trouble. She went above and beyond in exceptional circumstances. I would highly recommend Cromwells to anyone. Buying or selling.
Sarah Wiseman, Buyer - July 2020

From the first viewing to driving me to the property on moving day, Clare was fantastic. I had been so stressed after such a prolonged house search with a frustrated buyer kicking at my heels, that it was a relief to have someone so cheerful, calm, helpful and reliable looking after me.

She was able to answer all my questions and offered to speak to the vendors about anything else I needed to know. She also dealt with the other estate agents in the chain and was the first to provide me with those details - ahead of the solicitor!

Siobhan again made some enquiries to the vendors on my behalf including liaising with them regarding parking arrangements for my removals people. Even on moving day she was suggesting how she could help make the collection of keys easier.

I really felt they both had my interests at heart which is not what I have had experience of in the past with estate agents - either as a buyer or a seller!

Thank you so much!
Sally Burton, Buyer - December 2019

I was very impressed by Cromwells when they carried out a house valuation for me a couple of years ago, and they were therefore my first choice of estate agent when my mother went into a care home and it became necessary to sell her house. In practice, though, their service in selling my mother's house was so outstanding that it exceeded all my previous expectations. I went into the Carshalton Beeches branch on a Wednesday. They were on the case instantly with friendly professionalism: they visited the property the same day and on Thursday there was an impressive entry on Rightmore. On Saturday there were seven viewings and by Monday there were two offers. We accepted the higher of these, which was an excellent price for my mother's house. We used Cromwells' inclusive legal package and we even got the house cleared using a firm on their recommendation. The whole process has been hassle-free and we now have an early completion date. I would not use anyone but Cromwells in future when I need an estate agent.
Ian Kemp MBE, Vendor - March 2018

As a fellow estate agent I know how important it is to have a good and capable agent by your side. I had the displeasure of meeting other agents in Worcester Park who had made comments that "I ask too many questions" on viewings, which didn't go down well. I was impressed with Luke's pro active approach and attention to detail. He has all the good qualities of an excellent agent; patience, diligence and dealt with a difficult solicitor. Between him and Siobhan they worked as a solid team to ensure the sale went through making mine and my girlfriend's dreams come true. As a property professional I highly recommend Cromwells Estate Agents and will most likely use them again in the future!

Thomas Meilak, Buyer - June 2019

From beginning to end of the process the service offered by Cromwells was fantastic. Special mention to Ian and Teresa who were OUTSTANDING!
Seamus Keaveney, Vendor - September 2019

We have recently connected with Claire (Cromwells) to purchase a property in Worcester park. A good agent must be a people-person and able to communicate effectively with all parties involved. But they also need to be an even better negotiator. While we might feel a little shy about dealing with money matters and sealing the seal, your agent should be an accomplished negotiator who always fights your corner and gets results. I must say Claire met all key criteria. I was really impressed by the way Claire managed the communication and helped to close the deal in limited time.

Nikhil Agrawal, Buyer - October 2018

When things go well, it's easy to compliment someone for a job well done, but what is more impressive is when difficulties are handled with care and empathy. Luke, Siobhan and Clare were always delightful to deal with and professional. We had a nail-biter of a roller coaster journey holding a 5 house chain together with 1 total and 3 other near collapses. Luke, in particular, went above and beyond the call of duty working on days off and holidays to ensure we were kept informed every step of the way. I also really appreciated verbal feedback on every viewing we had. I would recommend Cromwells as they work together as a great team and go the extra mile.
Dominic Beecheno, Vendor & Buyer - September 2018

I sold my flat through Cromwells in Worcester Park and received excellent friendly service. Nothing was too much for them even helping chase up solicitors etc.... would definitely use their services again!
Maria Clayton, Vendor - May 2019

A great professional service. Communication was excellent throughout-this is the second time we have used Cromwell's and would thoroughly recommend them. Luke and Clare were brilliant!
Paul Glover, Vendor - December 2019

The experience with Cromwells from start to finish has been great . The agent whom Started the sales process to the agent whom assisted with the completion were great . (Siobhan) was our point of contact at the end and if it wasn’t for her I doubt that the sale would have completed .

She was always willing to answer the phone even on the odd day off , always got back to us with answers and was really helpful with getting the whole process to move along ! Can’t thank her enough .
Paul Williams, Buyer - June 2020

An excellent, professional and lovely team of agents. Clare, Siobhan and Luke kept us updated throughout our sale. Fantastic team! Wouldn't use anyone else. Also an extremely competitive commission rate.
Jesse Rose, Vendor - January 2019

Cromwell's Cheam have given us an excellent service with the sale of our house. Having been stung with a buyer withdrawal and let's just say 'Not so good service' by another agent earlier in the year. (3 Months of agony) We were bruised and nervous about starting all over again. But it has been a pleasure working with such professional, efficient, helpful and friendly people. We were kept informed every step of the way, which is refreshing in itself. Thank you to Heather, George and the team for an unexpected , but welcome smooth sale.
Beverly and Kevin Evans
Beverly Evans, Vendor - November 2019

From the first viewing to driving me to the property on moving day, Clare was fantastic. I had been so stressed after such a prolonged house search with a frustrated buyer kicking at my heels, that it was a relief to have someone so cheerful, calm, helpful and reliable looking after me.

She was able to answer all my questions and offered to speak to the vendors about anything else I needed to know. She also dealt with the other estate agents in the chain and was the first to provide me with those details - ahead of the solicitor!

Siobhan again made some enquiries to the vendors on my behalf including liaising with them regarding parking arrangements for my removals people. Even on moving day she was suggesting how she could help make the collection of keys easier.

I really felt they both had my interests at heart which is not what I have had experience of in the past with estate agents - either as a buyer or a seller!

Thank you so much!

Sally Burton, Buyer - December 2019

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