As a small independent developer, we focus on creating eye-catching homes that are tailored to our clients’ exact requirements. But there’s a lot of work involved before we eventually reach completion, and plenty of decisions to be made along the way.
Aside from their fantastic technical knowledge, our team are skilled at putting our homebuyers at ease and ensuring they feel in control of their purchase at all times.
Before we embark on this journey together, we need to get to know you. This first appointment gives us an opportunity to explore your ideas and allows you the chance to ask us any questions.
Once you have settled on your new home, we’ll give you a guided tour of the property. We will always set up a viewing at a time that works for you.
If needs be, we can recommend mortgage brokers, financial advisors and insurance companies who will complement our services.
The sooner you commit to your purchase, the more input you will be able to have when it comes to fixtures, fittings, and overall aesthetics.
In the unlikely event that something doesn’t meet your expectations once you’ve moved in, we’ll be on hand to resolve the issue quickly and easily.
When it comes to creating your dream family home, we understand that achieving the right look on the inside is just as important as producing a property with exceptional kerb appeal.
Reserve a home before its construction is complete, and the team here at Cairns Homes will help you bring your concept together and deliver a finish you can be proud of.
Choose from a diverse range of carefully selected complimentary interiors that covers everything from traditional styles to contemporary showstoppers. Customise everything from kitchen units, worktops, and appliances through to bathroom fittings, lighting, and flooring. Your design truly is there for the taking!
If you’re unfamiliar with any of the language that’s associated with the home buying and moving process, here’s a useful breakdown of many of the words and phrases you are likely to hear.
As its name suggests, this is a loan to ‘bridge the gap’ when the sale of your present property doesn’t exactly coincide with the purchase of your new one.
This covers damage to the bricks and mortar of your home. You should review your insurance cover regularly to ensure you always have an appropriate policy in place.
This refers to the Buildmark 10 Year warranty and insurance cover provided on all new homes by a new homes warranty provider, such as Premier Guarantee.
This refers to the finalising of the sale; the point at which all the monies are passed over and the buyer has legal right to the property.
This covers the value of what you keep in your home.
A contract is entered into by the seller and buyer of a property, which only becomes binding on exchange of contracts, which is when both parties have signed the contract and the purchaser has handed over the agreed deposit to the solicitor.
The legal transfer of a property from one owner to another.
A restriction or condition which affects the property, and which must be complied with.
All the legal documents relating to the property.
A part payment of the agreed purchase price, paid by the buyer on exchange of contracts.
A legal document which transfers ownership of a property to the buyer.
All sellers of properties in England and Wales are required to provide a valid Energy Performance Certificate (EPC), which sets out the energy efficiency credentials of the property.
The contracts are in fact two identical documents, one signed by the seller and the other by the purchaser. When these are exchanged, both sides are legally bound to complete the transaction.
The full ownership of both the property and the land on which it stands.
This applies to leasehold properties and is a sum paid annually to the freeholder by the leaseholder.
Apartment buildings usually have a management company that is responsible for maintaining the main structure, common areas and landscaped areas.
A certificate issued by the Land Registry as proof of ownership and acknowledgement that the fees to register your ownership have been paid through your solicitor.
Property whereby the owner has the right to occupy a property for a fixed period.
This will be carried out by your solicitor to establish if your new home is likely to be affected by any planning decisions.
Most people will need to take out a mortgage – or loan – to buy a house. There are many different types of mortgages available to home buyers.
The lender.
The borrower whose property is secured for the loan.
Your mortgage lender will usually require additional security if the loan exceeds 70% or 80% of the purchase price. The amount of the payment varies with the amount borrowed and the term of the loan, which can usually be added to the mortgage.
An insurance policy, often arranged in conjunction with a repayment mortgage, which is taken out to ensure that the loan will be paid off should the borrower die before the end of the mortgage term. Insurance may also be available to protect your repayments in the event of redundancy.
Prior to making a mortgage offer, your lender will have the property valued for mortgage purposes.
A non-profit making body whose role is to both protect the home buyer and help the industry to construct good quality new homes. NHBC inspectors carry out spot checks and regular examinations on all properties at varying stages of construction.
A government tax on the purchase price of a property. Your solicitor will automatically handle this on your behalf.
Sold ‘Subject to Contract’ (STC) means that the seller and buyer are proceeding with the sale, but the paperwork is not yet complete.
