Free Property Buyers Guide

Introduction

1 - The First Questions Are For You

Should I Buy or Rent? Should I Invest my Cash in Property? What is My Motivation to Buy? Should I Buy in a Falling Market? Where Should I Buy?

2 - The Media and Property Prices

What the Media Use to Predict Property Prices. What is 'New' and What is 'News'. What is Real and What is 'Human Interest'. The Use and Abuse of Mortgages.

3 - Making House Price Predictions

The Property Experts in Which we Trust. So Who Can Make House Price Predictions? The Hidden Agenda for Making House Price Predictions.

4 - Understanding the Property Market

The Current Trend in the National Property Market. The Difference with Local Property Markets. The Annual Property Cycle. Variations in the Annual Property Cycle.

5 - Is the Property Market Overvalued?

Modelling the Property Market. The Property Market Innovates. Averages Just Don't Work. The Emotions in the Property Market.

6 - Property Bubbles and Market Crashes

Confidence and Capitalism. Property Bubbles. When the Figures Loose Their Meaning.

7 - Why Buy in a Falling Market?

Why 'First Time Buyers' buy. Why 'Second Time Buyers' buy. Why People Trade Down. Why Speculators or Developers Buy. Why Buy to Let Investors Buy.

8 - Buying to Let / For an Investment

The Income Stream - Yield. Killing the Yield and Making a Loss. Capital Gain. Buying off Plan. Using an Investment Company.

9 - Getting on the Property Ladder

The Deposit for Buying a Property. Buying Property on a New Development. Buying Property Where You Don't Want to Live. 100% Mortgages.

10 - Working with Estate Agents

The Way Professionals Work with Estate Agents. Being Prepared for Your Property Search. Irrelevant Questions.

11 - Sorting Out Your Mortgage

Agreements in Principle (AIPs) and Pre Arranged Mortgages (PAMs). What Do You Need Your Mortgage to do? Financial Advisers Who Charge.

12 - Choosing a Conveyancer or Solicitor

Before You Start Viewing Properties. Big Firms and Little Firms. The New Breed of Conveyancers. No Sale, No Fee. Fixed Fee. Recommended by a Friend.

13 - Your Own Homework

What will Happen to the Property Market? Am I in a Good Financial Position to Buy Property? Is the Property in a Flood Zone? Is There Planning Permission for This Property? How Much Did the Vendor Buy the Property for? How Far is the Nearest Park, Busy Road, Railway? What are the Schools in the Area Like? What is Crime Like in the Area.

14 - Viewing Properties and Making Offers

How the System Works. Preparing for Viewings. Common Terminology. Making an Offer on a Property.

15 - How to Really Make an Offer on a Property

Listening to the Estate Agent. How Much to Offer and When. Choosing your Offer LevelThe following outline the various ways to offer on a property.. Clearly Defining You and the Offer. Pitching an Offer for Negotiation. Non-Refundable Deposits.

16 - Who to Trust When Buying Property

Why Buyers Trust the Wrong People. The Advice of Family and Friends. The Advice of the Solicitor. The Advice of the Surveyor. The Advice of the Estate Agent.

17 - The Property Buying Process in Theory

You, The Buyer in a Property Purchase. Your Solicitor in the Property Buying Process. The Vendor in the Property Buying Process.

18 - The Balance of Power

Real and Perceived Power. How the Balance of Power Changes.

19 - Time Costs Deals

20 - What a Property Survey Really Means

Types of Survey. Retentions in a Survey. What is in the Survey. Structural Issues. Trees, Maintenance and Other Issues. Types of Surveyors. Asking the Vendor to Carry Out Work.

21 - Legal Matters in Property Purchases

What the Solicitor Needs to Find Out. Indemnity Insurance. Solicitors Who Fight. Power of Attorney. Fast Track Purchasing.

22 - Why Vendors are Poorly Prepared

23 - Why Vendors Choose Bad Estate Agents

The Fee and its' Impact on the Sale Price. Big Agent, Little Agent. Using More than One Agent. Changing Agents.