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Lloyds TSB home

First Time Buyer Guide

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Step 4 of 7: Making an offer

When you are sure you have found the right place, it’s time to make an offer. This is a big step and you want to make sure you are ready. Having answers to the following questions will make it easier for you.

1. Checklist

  • What is the maximum amount you can spend?
  • What percentage mortgage is required?
  • Is the mortgage pre-arranged?
  • What is your timespan for the move?
  • Do you have any other outstanding offers?
  • How much are you willing to offer and how much you are willing to negotiate?
  • Which fixtures and fittings are included in the sale?
  • Talk to the estate agent to find out as much as possible, for example whether the seller wants to move quickly.
  • Remember, estate agents work for the seller and are often trying to get the best deal for them rather than you.

2. Making the offer

  • Get in touch with the seller’s estate agent and tell them how much you would like to offer.
  • If they don’t accept, you can increase the offer, but make sure it’s within your budget.
  • Consider getting a survey done and finalising your mortgage details.

Back to step 3                                                                                              Continue to step 5

 

C&G mortgages are provided by Lloyds TSB Bank plc and administered by Cheltenham & Gloucester plc. Lloyds TSB Scotland plc offer their own range of mortgages, find out more.

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