The Buying Process

Here we have a step-by-step guide that teaches you about the entire buying process which aims to make it straightforward for you to understand throughout.

1. Registering with Rooney & Co

It is important to know specifically what your requirements are and that you have set a realistic budget you can afford. This allows our experienced Sales Advisors to use your criteria to advise you on the most suitable properties for you.

Our Sales Advisors will need as much information as possible in order to be of more assistance, so it is recommended that you are as specific as possible about what you are looking for.

If you are new to the area and would like to have more information about local schools, transport and shops, our Sales Advisors will be happy to advise you accordingly throughout your property search, using their extensive knowledge of the area and its surroundings.

To register with Rooney & Co you can:

2. Searching for your Ideal Home

Couple on LaptopIt is important to know specifically what your requirements are and that you have set a realistic budget you can afford. This allows our experienced Sales Advisors to use your criteria to advise you on the most suitable properties for you.

Our Sales Advisors will need as much information as possible in order to be of more assistance, so it is recommended that you are as specific as possible about what you are looking for.

If you are new to the area and would like to have more information about local schools, transport and shops, our Sales Advisors will be happy to advise you accordingly throughout your property search, using their extensive knowledge of the area and its surroundings.

You can register with Rooney & Co. online by clicking here or, alternatively, visit or call one of our branches.

Click here to find your local Rooney & Co. branch.

3. Securing your Mortgage

We at Rooney & Co. are aware that securing a mortgage can be a time consuming process. That is why we have our own in-house Mortgage Advisors who are there to advise you on a wide range of mortgages and help you in finding the one that best suits you. They will also assist you in securing an Agreement in Principle, which can significantly speed up your mortgage application.

Our Jargon-Buster will teach you more about an Agreement in Principle.

4. Viewing Properties

We at Rooney & Co. are aware that securing a mortgage can be a time consuming process. That is why we have our own in-house Mortgage Advisors who are there to advise you on a wide range of mortgages and help you in finding the one that best suits you. They will also assist you in securing an Agreement in Principle, which can significantly speed up your mortgage application.

Our Jargon-Buster will teach you more about an Agreement in Principle.

5. Making an Offer

You will be ready to submit an offer to the seller once you are satisfied that you have found a property that suits both your requirements and your budget.

An offer is sent to the seller by us on your behalf, both verbally and in writing, and we will then await a decision. Offers are not legally binding unless they are signed.

6. Conveyancing

At Rooney & Co. we have our own conveyancing panel that helps look after the legal paperwork and liaises with the vendor’s solicitor. This allows us to keep everything in one place while being easier to monitor, which often helps simplify the transaction.

We offer a No Sale, No Fee service and our conveyancing panel are open extended hours, including Saturdays, so that they are always available to those with busy schedules and to those who require further help and advice.

7. Sale Agreed

Contract SigningOnce your offer is accepted, you will need to instruct your chosen solicitor to proceed. At this stage you will also need to instruct your Mortgage Advisor to proceed with your mortgage application and make arrangements for a survey. Our partners Anderson & Associates is an independent firm of Chartered Surveyors that specialises in residential property survey and valuation services.

8. Draft Contracts

Both parties’ solicitors will then exchange. Your solicitor will make preliminary enquiries and will make a Land Registry search, which checks the title ownership of the property.

9. Searches

A search with the Local Authority will uncover any possible planning consent and any underlying local issues. This will be taken care of by your solicitor.

The vendor’s solicitors will need to clarify anything that arises from the searches.

10. Survey & Valuation

Your mortgage lender will require a survey to identify any structural problems and to advise the lender as to the property’s current value. If you require a more detailed report, this will need to be instructed at this time. Anderson & Associates can advise you on the different surveys they provide and which is right for you.

11. Contracts Approved

Your contract will be approved by your solicitor once they are satisfied with the results from the searches, survey and preliminary enquiries.

12. Formal Mortgage Offer

Your contract will be approved by your solicitor once they are satisfied with the results from the searches, survey and preliminary enquiries.

13. Exchange of Contracts

Celebrating Couple

Your deposit will be paid to your solicitor via a banker’s draft as soon as both contracts are exchanged and signed by both parties.

This makes the transaction legally binding and allows you to set completion dates.

14. Completion

The completion date agreed by both parties is the day you are able to move into your new home.

Your solicitor will transfer all outstanding payment balances to the seller’s solicitor.

You will then receive confirmation of completion from your solicitor and they will inform you that your new home is ready to move in to.

Congratulations - you are now the legal owner of your new home!