What is a Property Finder?

A Property Finder is employed solely by the ‘property buyer’ to represent them through the property buying process.

Are you an Estate Agent?

No. Estate Agents are employed by the ‘seller’ of a property. A Property Finder works exclusively for the Buyer, and in the Buyers interest.

Is it expensive?

Employing a Property Finder can be self-funding. Working on the buyer’s behalf, Property Finders often achieve price discounts & reductions that easily cover their fees. Our fee is between 0% and 2% of the purchase price payable on completion, depending on the deal.

Have you got savings to invest?

Given the opportunities that are presenting themselves, now is the perfect time to buy.

As a novice or experienced investor, you will have seen how the entire property market has been turned on its head over the last year.

Most people follow what everybody else is doing. Psychologists call this the “herd instinct”. For the most part, the herd instinct serves us well. For example if you are swimming in the ocean and somebody shouted ‘SHARK!’ you’d be wise to follow the herd back to shore.

When it comes to investing however, the herd are almost always going in the wrong direction. They tend to do whatever the newspapers tell them to do or not to do, not realising that millions of other people are going to be doing the same thing in the same way!

Ordinary people follow the herd and invest when prices are already too high. Then they get disillusioned and sell when prices are low, vowing to never again waste their money in the stock/property market.

Smart investors go against the grain. They buy solid assets at knock down prices when others need to sell. They make shrewd decisions based on sound investment principles and do very well for themselves over the long term. That is why only 3% of the population are considered truly ‘wealthy’.

The main problems that have surfaced as a result of the credit crunch are:

1) Sellers unable to sell properties

2) Buyers unable to buy properties

3) Existing investors, with high debt ratios, getting into trouble with poor property purchases.

Now is the time to buy…The vast majority of investors are unable to purchase these incredible deals because the banks have pulled the plug on high loan-to-value borrowing!

Therefore, we have launched a service, for investors who have access to savings – This is a ‘hands-off’ service for either novice or experienced investors who want to invest in proven property deals.

Are you interested in becoming one of the select people who will be informed of our incredible ‘Below Market Value properties, and can you answer ‘Yes!’ to all of the following:

a) Want to buy properties at a discount?

b) Have savings to invest?

c) Are interested in buying, new builds or old properties?

d) Committed to generating a positive monthly cash flow?

e) Want to make great strides in building up your property portfolio…

If the answer is ‘Yes’ to all of the above, let us know and we will add you to our mailing list and will inform you of any deals that come along (or register on the right hand side of the page)

How Does It All Work? (House Purchase)

Premier Property Finders will offer you a selection of properties that we have on our books. You choose which one suits you.

After you have agreed to proceed with us and have signed our contract, the next procedure will be for us to find you a suitable mortgage from one of our several trusted mortgage brokers. We will endeavour to procure the best deal for you.

We will then instruct a valuer to visit the property and give us a valuation on the market value and the rental value. (This valuer is working on behalf of the mortgage lender).

Once we get the report back from the valuer, we will be able to assess how much money the mortgage lender will lend you. Depending on what that amount is, and what % the Loan to Value (LTV) is, we will determine your deposit. Premier Properties are able to secure great discounts for you, on the Market Value of your property.

It is then dependant, time wise, on the mortgage lender, but can take anywhere between 2 weeks to a month for the money to come through, so that you are then in a position to complete on the property.

That is basically it! Premier Property Finders can ensure everything is running smoothly for you, by guiding you through the whole process, and therefore relieving you of any of the hassle normally involved with a house purchase…(We will discuss your personal options with you, and help you make the right decisions according to your requirements).

You will be required to use our recommended solicitor.

The only fees paid by you, will be your valuation fee, solicitor fee, our finders fee (if applicable), and mortgage fees, (which are normally added to your mortgage), and the deposit.

 

Rent to Own

Our rent to own scheme is a very simple way to get you onto the housing ladder.

Once you have selected a home, contact us to arrange a viewing. All the properties listed explain the payments required for you to move into your own home. If you decide to proceed we have a simple application procedure.

So, if you would like to own your own home, we’d like to help your dreams become reality.

 

Payment Details

1. You pay a low initial deposit to secure your home and to move in.

2. You pay monthly rent (option 1.) and deposit “top up’s’ for (options 2 and 3).

3. The monthly deposit “top up” builds to fund your 10% deposit upon purchase.

4. The purchase price is FIXED for 5 years when you move in. Each month the growing deposit increases your equity.

 

Application Process

1. You complete a simple application for the property. If you are successful you pay the deposit to secure your home. You can move in within 7 days if you wish.

2. We prepare legal contracts for you and your solicitor. (We pay your solicitor bill if you use one recommended by us). Once completed, contracts are exchanged and the house is yours! You move in now, but pay later.

3. In addition to your legal agreement to purchase, you are given a tenancy agreement which will remain in place until you buy.

4. We are legally committed to the sale and cannot withdraw, change the price, or sell to anybody else. You can walk away at any time.

5. At any time within the agreed period, you can buy the house with a mortgage using your deposit fund. We may be able to help you obtain a mortgage if required.

 

Key Benefits

1. The purchase price is fixed for 5 years. This means that you benefit from house price growth.

2. You have up to 5 years to buy your home.

3. The house is yours to improve as you please – use your DIY skills to add value to your new home and stamp your own identity onto it.

4. You can sell the house at ANY TIME within the agreed period – Make an instant profit and benefit from the deposit “cash back” That’s right – sell a house and move up the housing ladder without ever taking out a mortgage!

5. Because our deposits are low, it allows you to take the first step towards home ownership without needing a mortgage.

6. You will not be turned away based upon your credit record. This makes the scheme ideal for first time buyers, people currently renting, self employed or anybody with CCJ’s/adverse credit.