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So, we're buying a house!

Joel Clyne 23 February 2022

So, we're buying a house.

No, not Rhino but me, Joel.

I'm the Marketing Manager here at Rhino, and I currently reside in the North West.

Why is the North West important? Well, costs vary from region to region, so it may be that some things are cheaper in your area than mine, or vice versa. So it makes sense to point that out early on.

There'll be two of us buying. Myself and my girlfriend. She's a first-time buyer. I'm not. Therefore, the government's Stamp Duty relief for first-time buyers won't apply. Which is, of course, a real pity.

However, my current understanding of the situation (and this may change!) is that because the flat we live in is a rental, and classed as our main residence, the standard rate of stamp duty applies and not the higher rate. So there's a few quid saved there, at least.

This series of blogs will document the highs, lows, my general musings on the state of the property market and everything in between. If I'm freaking out about something, you'll hear about it. And if I find out something handy, you'll hear about that too.

And of course, if you have any questions about anything I touch on in this series, don't hesitate to get in touch.

I hope you enjoy!

How to manage a property chain
How to manage a property chain

Troy Stevens 17 May 2022

Most house purchases in the UK are part of a chain. You can look at property chains as a necessary evil. They’re frustrating, delay-causing and sometimes cause the transaction to fall through – but most of us wouldn’t be able to move house without one. 

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We're paying thousands more than expected on our stamp duty
We're paying thousands more than expected on our stamp duty

Joel Clyne 13 May 2022

When buying a property, ensure that you factor in the cost of Stamp Duty before purchasing. Believe me! After our offer had been accepted and we'd instructed the conveyancers to oversee the purchase process, we were sent a breakdown of their costs. Legal fees, transaction fees, drainage and water searches were all there. Honestly, they don't miss a trick! Yet, the figure that jumped out at us was our Stamp Duty costs. Let me explain why.

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How to speed up local authority searches
How to speed up local authority searches

Troy Stevens 10 May 2022

Before you exchange contracts on that dream home, the local authority searches must be carried out. These are a necessary part of home buying, and woe betide anyone who skips them. But do they really have to take so long?

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