From first enquiry to getting your keys, we've mapped out every step of the buying process. Whether you're a first-time buyer or making your next move, our clear guides and tips are here to help you feel confident, informed and ready.
Understanding your financial position is the first step. You'll need a 5% deposit of the home's purchase price, be over 18, a UK resident, and have a stable income with a good credit history. Use online mortgage calculators, explore a Decision in Principle (DIP), and speak to advisors, brokers, or lenders to assess your options. Before moving forward, have an Agreement in Principle (sometimes called an Intention to Lend) or another form of financial confirmation ready.
You'll need bank statements confirming your deposit funds and your mortgage Agreement in Principle. Cash buyers must provide statements showing unencumbered funds.
You will need copies of bank statements confirming deposit funds and mortgage Agreement in Principle. For cash buyers bank statements confirming unencumbered funds will need to be provided.
Think about where you want to live, consider proximity, the neighbourhood and commuting, etc., and the type of home you want, size, parking and things important to your lifestyle. Search haganhomes.co.uk, propertypal.com and estate agents websites for something you need now but also consider your future needs. Choose your preferred Hagan house type and site number.
You'll need to appoint a solicitor to help handle the legal complexities of buying a home. Ask family and friends for recommendations. A Hagan Selling Agent can recommend a panel of solicitors, or you can check the Law Society NI Solicitor Directory. We recommend asking solicitors for an outline of their costs.
This is the first formal step in securing your home. By paying a booking deposit, Hagan will hold the property while you complete the 6-week purchase process, which will include legal formalities and final financial checks.
If you have any questions about the process, contact our Selling Agent as soon as possible.
We recommend formally applying for a mortgage immediately after booking.
Staying proactive at this stage helps ensure a smooth purchase process.
Hagan will arrange an appointment at the Selections Suite for you to choose your home finishes.
Making your selections on time helps keep everything on track for your new home.
Once your formal mortgage offer is in place, meet with your solicitor to sign the contract and pay the 5% deposit of the agreed purchase price.
Make notes or reminders to 6 week time-frame in your calendar.
Prior to completion a Final Account will be issued to your solicitor. This will include any agreed extras.
Completion is the day you officially become the legal owner of your new home! Keys will be released once Hagan's solicitor has received all necessary funds from your solicitor.
On the day of completion, a final inspection will take place, along with a demonstration of your home's key systems. You'll receive all essential documents and manuals for the maintenance and care of your home. We will also brief you on Hagan's snagging process - please refer to our separate guide for full details.
Think about where you want to live, consider proximity, the neighbourhood and commuting, etc., and the type of home you want, size, parking and things important to your lifestyle. Search haganhomes.co.uk, PropertyPal and estate agents websites for something you need now but also consider your future needs. Choose your preferred Hagan house type and site number.
You'll need to appoint a solicitor to help handle the legal complexities of buying a home. Ask family and friends for recommendations. A Hagan Selling Agent can recommend a panel of solicitors, or you can check the Law Society NI Solicitor Directory. We recommend asking solicitors for an outline of their costs.
This is the first formal step in securing your home. By paying a booking deposit, Hagan will hold the property while you complete the 6-week purchase process, which will include legal formalities and final financial checks.
If you have any questions about the process, contact our Selling Agent as soon as possible.
We recommend formally applying for a mortgage immediately after booking.
Staying proactive at this stage helps ensure a smooth purchase process.
Hagan will arrange an appointment at the Selections Suite for you to choose your home finishes.
Making your selections on time helps keep everything on track for your new home.
Once your formal mortgage offer is in place, meet with your solicitor to sign the contract and pay the 5% deposit of the agreed purchase price.
Make notes or reminders to 6 week time-frame in your calendar.
Prior to completion a Final Account will be issued to your solicitor. This will include any agreed extras.
Completion is the day you officially become the legal owner of your new home! Keys will be released once Hagan's solicitor has received all necessary funds from your solicitor.
On the day of completion, a final inspection will take place, along with a demonstration of your home's key systems. You'll receive all essential documents and manuals for the maintenance and care of your home. We will also brief you on Hagan's snagging process - please refer to our separate guide for full details.