KEYS TO YOUR NEW HOME
The Home Buying Process
At HJK Homes, we’re unlocking the path to quality-built homes in outstanding locations. By choosing us, you’re taking the first step toward owning a stylish and affordable new home.
Before you begin your search, it’s important to determine your budget and secure a mortgage. After consulting with your financial advisor and receiving a Decision in Principle, you’re ready to move forward.
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Step 1 | Find a house that’s right for you
Finding your dream HJK new home is an exciting journey filled with endless possibilities. Whether you’re searching for a cozy starter home, a luxurious estate, or something uniquely yours, HJK New Homes offers a wide range of properties to suit every lifestyle and budget.
With a deep understanding of the local market, personalized service, and a commitment to quality, HJK ensures that each step—from the initial search to the final closing—is seamless and stress-free.
Step 2 | Speak to a mortgage adviser and agree a mortgage in principle
Before you start house hunting in earnest, it’s essential to speak to a mortgage adviser and secure a mortgage in principle. This gives you a clear idea of how much you can borrow, helping you focus your search on properties within your budget.
A mortgage adviser can guide you through the available options, compare rates, and find the best deal suited to your financial situation. Agreeing a mortgage in principle not only strengthens your position as a serious buyer but also speeds up the process when you’re ready to make an offer.
Step 3 | Reserve your property
Your dedicated Sales Advisor will be there to walk you through every detail of the development plans, ensuring you have a clear understanding of the layout, highlighting its unique features, positioning within the development, and any customization options available.
After reserving, your journey with HJK New Homes begins. Following a pre-completion inspection, you’ll get a sneak preview of your new home.
Step 4 | Appoint a conveyancing solicitor
The next step is to choose a solicitor to assist you with the legal process of purchasing your new home. If you don’t already have one, we can provide recommendations for trusted solicitors. Alternatively, you’re welcome to select one of your own.
Once you’ve made your choice and the solicitor has been instructed, you’ll be ready to take the next exciting step—reserving your new home and securing it as yours!
Step 5 | Secure your mortgage
Once you’ve found your ideal home and had your offer accepted, the next step is securing your mortgage. This involves submitting a full mortgage application, providing necessary documentation such as proof of income, ID, and bank statements. Your lender will then carry out a valuation of the property and assess your financial situation in more detail.
With the help of your mortgage adviser, you’ll navigate this process smoothly, ensuring everything is in place for a successful approval. Securing your mortgage is a key milestone that brings you one step closer to owning your new home.
Step 6 | Pay the deposit
Paying the deposit is a crucial step in the process of buying your new home. The deposit is your upfront financial commitment and shows the seller you’re serious about the purchase. Once your offer is accepted and your mortgage is approved, the deposit is usually paid at the exchange of contracts.
This payment secures the property in your name and commits both you and the seller to the transaction. Having your deposit ready and accessible helps ensure a smooth and timely progression toward completion.
Step 7 | Exchange contracts
Once all the necessary arrangements have been completed, your solicitor will coordinate the release of your mortgage advance along with any remaining payments to finalise the purchase of your new home. This ensures that everything is in place for a smooth and successful handover.
On moving day, you’ll be able to collect your keys and officially take ownership of your new home! From there, it’s time to settle in, unpack, and start enjoying life in your brand-new space!
What Our Customers Say
and the aftercare was phenomenal.”