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Hunters Estate and Letting Agents in Ashford, Kent

Hunters Ashford Buyers’ Guide

If you’re buying a house in the Ashford area, then this buyers’ guide from Hunters Ashford Estate Agents is here to help.

When you commit to buying a property you’re in it for the long-term. There are many things to consider when embarking on such a venture, from knowing what you can afford, to understanding what’s available, to how to negotiate the very best deal you can get. The Hunters’ Ashford Buyers’ Guide will aid you every step of the way.

Property Prices in Ashford

Currently, the average value given on all properties in Ashford over the past 12 months stands at £288,769 (up 3.79%)

By category, the average values of Ashford houses break down as follows:

Detached

£429,940 (up 1.06%)

Semi-detached

£244,639 (up 5.31%)

Terraced

£198,805 (up 2.16%)

Flats

£144,492 (up 2.52%)

Knowing What You Can Afford

We all have a dream home, and when you’re on your property hunt you may very well find it. But you need to exercise some foresight and possibly restraint before you start making offers on houses that are likely to financially cripple you somewhere down the line.

You need to take your budget into close consideration before making an offer on a property. Day-to-day expenditure does not stop at your mortgage. You will still need to be able to afford all of your utilities, your home insurance, your council tax, water rates, your car insurance, your phone contract, your broadband, your clothes and your food.

Working out your expenditure is a difficult process, which is why we recommend using a budget calculator, which will pit your outgoings against your income, and therefore furnish you with a figure which you can base your mortgage budget around.

Choosing A Mortgage

Before you go on your property hunt proper, the best thing to do is secure a mortgage from a mortgage lender first. This will put you in a better position to negotiate when you find the property that you’re looking for. It will also mean that you will be in a position where you can make an immediate offer, which will put you ahead of any less organised buyers.

You also need to take your assets and your savings into consideration, as this will affect what sort of mortgage you can get. The best mortgages are available to those who can put up at least 15% of the property value themselves. If you find yourself in a position where you can only put down less than 10%, you will likely be subject to a Higher Lending Fee, which will cost you more in the long run. So you need to consider what you can afford to put down before you set your heart on a property.

Property Hunting – What Do You Need?

Aside from your budget, there are other determining factors that will come into play when hunting down the property that’s right for you. Here at Hunters Ashford, we are here to help find the right properties for the right people at the right price. So, in order to determine what you need from a property, consider the following:

  • The number of bedrooms you will require

  • The number of bathrooms

  • Whether you want a separate kitchen and dining room

  • If you need parking

  • Whether you want a garden and/or a conservatory

  • Your budget for redecorating

Negotiating The Best Deal

When the time comes to put in an offer on a property, you need to play all situations to your advantage in order to get the best deal. For instance, if you are a first time buyer or otherwise not caught up in a chain, and have secured a mortgage, then you are actually in a really good position to negotiate. From a seller’s perspective, you represent fewer complications and are essentially ready to buy and move in, which means that they may very well take you up on a lower offer.

However, you need to find out how eager the seller is to let go of the property in question. If you find out that they are in no rush, then they will be much more likely to hold out for the asking price – or as close to it as they can get.

Whatever happens, however, know your budget and stick to it firmly. Do not commit to something that you can’t afford – and the more steadfast you can be, the more likely you are to get what you want at the price you want to pay.

estate agents ashford kent
estate agents ashford kent

Contact us

Hunters Ashford
4 Middle Row,
Ashford,
Kent,
TN24 8SQ
Sales: 01233 613613
Email: ashford@hunters.com

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