Buying FAQs


How can I decide where to start in my property search?

Location: Think about what your priorities are when it comes to selecting the right location. Do you need to be near local schools or close to work? Maybe you would prefer to be more rural and yet have good transport links to motorways or public transport. Some locations are more expensive than others, so remain realistic about your expectations and be prepared to compromise on other factors to get that perfect area if location is the most important feature of your new home.

Property size or type: Think about how you are going to be using your new home. Do you really need three bedrooms or would two bedrooms and a study do? You may find that considering other possibilities, such as converting a garage or adding an extension, may broaden the amount of properties in your search. If you talk to us about how you will be using your home, we can often offer properties that you may not have considered before.

Timescales: Think about how quickly you need to move, do you have a deadline such as school holidays or new job start dates? Do you have to sell your house first, or are you in rented or living with parents? These can affect which properties may or may not be suitable for you.

Price: Always ensure that you have arranged your finance before you start looking at properties, or you may find yourself wasting time or be heartbroken when your perfect home is not within your reach.

How much can I borrow?

Before you start viewing properties you need to know what you can afford - there’s no point searching for the home of your dreams, if it is out of your price range. We recommend speaking to an Independent Financial Advisor who can look at all lenders without bias and can therefore source the best mortgage for your particular circumstances. We can put you in touch with Nigel Ryan, a financial adviser at Pegasus Portfolio Planning, call 01539 725582 for a no obligation chat.

The amount you can borrow will be based on the size of your deposit and how much you earn. You will need a mortgage promise from a lender before you are ready to make an offer on a property.

NB: Please note your home may be repossessed if you fail to keep up repayments on your mortgage.

I have a property to sell, when should I start looking?

You can look for a property to buy even if you aren’t yet on the market, but we do recommend that you have had Milne Moser Estate Agents out to visit your property for a FREE, no obligation valuation. To arrange this you can call us on 01539 725582 or contact us here.

We can discuss a recommended asking price in the current market and possible levels of interest in your house, which will enable you to make a decision whether to find a property to buy before selling or whilst you are on the market. For more information please see our Frequently Asked Questions for Sellers page here.

How can I be kept informed of new properties on the market so I don’t miss out?

When you are ready to start looking, contact us at Milne Moser Estate Agents on 01539 725582 or send us some information about your requirements and we can keep you regularly updated about new properties coming on the market that meet your requirements. We offer an email and text service as well as the traditional mailing list so that you don’t miss out on your perfect property.

This service is completely free and we also have a FREE mobile app that you can download from the app store by searching ‘Milne Moser’ or by clicking the icon at the top right of the screen. This allows you to search by location or postcode and refine your search to your requirements.

How do I book a viewing with Milne Moser Estate Agents?

Just call either our Kendal offices on 01539 725582 or our Milnthorpe office on 015395 64600 to book a viewing of a property, or click here and complete the online form, we will contact you as soon as possible. You can also drop into our offices and we will arrange a viewing for a time convenient to you. Sometimes owners prefer to do their own viewings and this can be an ideal time for you to ask questions firsthand.

We do ask that all viewings are arranged direct through our offices so that the vendors are expecting you.

How can I get directions to the property?

All our sales particulars have directions to the property on the back page and the property postcode if you have satellite navigation. You can also ring our office and we will talk you through how to get to a property, alternatively, maps are provided on our website and on our FREE mobile app under each property for your convenience. Most of the houses we have for sale will have a distinctive Milne Moser FOR SALE board outside but be aware that some vendors prefer not to have one.

What happens when I am ready to offer on a property?

You can make an offer on a property by calling us, emailing us or by visiting our offices. We will guide you through the negotiation process from start to finish. Initially we will ask you a number of questions, including details about finance and conveyancing, and can offer advice and guidance if you are just starting the home moving process. We will work with you and the seller to come to a price and possible moving date that you are both happy with.

How much should I offer?

There is no general guide as to how much to offer on a property, it will depend on your circumstances, how much you may have sold your property for and how much you can afford to offer. It may depend on any work that you feel may need doing to the property, however this may be accounted for in the asking price already. It is always worth asking yourself how much the property is worth to you.

Even if you feel the offer is too low or will not be accepted by the vendor, always ring us to discuss it before you discount the property. It may be that the owner’s circumstances have changed or we may be able to suggest other options so you do not miss out on your perfect property.

Buying a property can be a stressful experience, how will you help me avoid this?

We are well equipped and trained to handle all aspects of negotiating on your prospective purchase and can offer helpful advice and recommendations. Once a sale is agreed, we work with your solicitor and other estate agents in the property chain to ensure everything is running smoothly.