Buying with NGU Homes
Your Guide to a Smooth and Successful Purchase
Buying a property - whether it’s your first home, your next step, or an investment - is one of the most significant financial decisions you’ll make. At NGU Homes, we believe the process should feel exciting and straightforward, not overwhelming.
With over 150 properties in our own portfolio and thousands of transactions completed, we combine real experience with honest advice to support you every step of the way. Here’s what to expect when you buy through NGU:
Step 1: Sell First (If Applicable)
If you’re moving from one property to another, it’s important to have your current home on the market - or ideally sold - before making an offer. Most agents and sellers won’t consider offers from buyers who haven’t yet sold.
If you’re both selling and buying through NGU, we’ll give you 25% off our agency fee - saving you money and simplifying the process.
Looking to keep your current property as an investment? We can advise on switching to a buy-to-let mortgage and how to maximise your rental income.
Step 2: Get Your Finances in Place
Before viewing properties, speak to a mortgage advisor and secure an Agreement in Principle (AIP). This confirms your borrowing power and shows sellers you’re a serious, proceedable buyer.
Don’t have an advisor? We work with a trusted mortgage partner who can access exclusive deals not available on the high street.
Step 3: Stay in Touch with Your Agent
Having a responsive and proactive agent can make all the difference. At NGU, we take the time to understand your needs - so when the right property comes in, you’re the first to know.
We love helping buyers find their perfect home or investment and pride ourselves on building strong, personal relationships.
Step 4: View Properties
Now the exciting part begins! We’ll guide you through viewings that match your criteria - but nothing beats stepping through the door and getting that instant “yes” feeling.
Sometimes, the right property isn't what you expected. That’s where our experience helps - we listen, we adapt, and we make sure you’re seeing homes you’ll genuinely love.
Step 5: Make an Offer
Found the one? Great! It’s time to make an offer. Be clear on your maximum limit and be ready to move quickly if needed.
Also share why you're a strong buyer - such as your financial position, whether you're chain-free, or how quickly you can complete. These factors can make a big difference to the seller’s decision.
Step 6: Appoint a Solicitor or Conveyancer
Your solicitor will handle the legal process from offer to completion, so choosing the right one is crucial.
We work closely with recommended solicitors we’ve used personally. Good communication is key - a reliable solicitor will keep things moving and reduce stress.
Average timescale for a purchase is 12-16 weeks, depending on circumstances.
Step 7: Finalise Your Mortgage
Once your offer is accepted, your mortgage advisor will help you secure the final agreement. Your solicitor, mortgage lender, and our team will coordinate to keep things on track and get you to completion smoothly.
Step 8: Consider a Survey
Your lender will typically carry out a basic valuation, but for peace of mind, we recommend a more in-depth survey to uncover any potential issues.
You can choose from different levels of survey, and we can recommend trusted surveyors if needed.
Step 9: Collect Your Keys
Once contracts are exchanged and your deposit is paid, it's time for the best part - picking up your keys!
This is a huge milestone, and we’ll be just as excited as you are. Whether you’re moving in or letting the property, we’ll be here to support you beyond the sale.
Start Your Journey with NGU
At NGU Homes, we combine personal experience, expert insight, and a down-to-earth approach to help you buy with confidence.
Ready to take the next step? Get in touch - we’d love to help you find the right property.