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Buying In Jersey


PLANNING TO BUY


WHAT TO DO FIRST

You will need to find out how much you can borrow. Make an appointment with a Mortgage Advisor.
You will need to consider a Deposit, Monthly Payments, Legal Fees, Surveyors Fee (if applicable), Stamp Duty, Insurance and Removal Costs.
 
SEARCHING FOR A NEW HOME

Contact an estate agent.
Look in the local media.
Check out the web.
Try to get a feel for what properties are available in your price range.
 
WHAT TO LOOK FOR IN YOUR ESTATE AGENT

Must have a good reputation/experience.
Ask friends/family/your bank/your lawyer for referrals.
Your estate agent should be a member of The National Association of Estate Agents, and/or The Jersey Estate Agents' Association, as they are governed by a code of practice.
Ask to go on the agents mailing list. Most agents will be able to email you details of properties, and of course will have an up to the minute website where you can browse the latest properties.
When you have narrowed down your search arrange a viewing.
Give your agent genuine feedback. It will help them to find your perfect property quicker.
 
WHEN YOU HAVE FOUND YOUR IDEAL HOME

Make an offer through the agent.
Once your offer is accepted you will need to go to your mortgage lender and tell them that your offer has been accepted. Make an appointment in order to sign the necessary documentation.
Take a copy of the property details with you.
Arrange an advocate. Only a Jersey advocate can present contracts to the Royal Court of Jersey. Your agent will liaise with all parties to agree a mutual completion/exchange date. Your advocate will advise on, and check the deeds of the property you intend to buy.
Arrange a surveyor. The bank or other lender will require a satisfactory survey before lending money. You will need to have a chat with the surveyor and decide which survey will be suitable for you
Your agent will keep you and the vendor informed as matters progress. Your agent will help with getting a Registration Card and prepare an Inventory of Contents to be included in the sale.
All Contracts of Sale are presented to The Royal Court of Jersey every Friday afternoon.
As soon as contracts pass in court you will be handed the keys to your new home.

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