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Before you make any decision, the first thing you need to do is work out how much you can borrow, how much deposit you will require and agree the necessary mortgage in principle. This doesn’t tie you into anything as you can always choose a different provider later on.
The best bit! You can now search for your dream home using our online search button by location, price or how many bedrooms you need.
To secure your dream home, you’ll need to pay a reservation fee of £1,000 (which goes towards the purchase price) and be in a position where you can proceed to buy, e.g. sale agreed on existing property, living in rented accommodation or cash buyer etc. From this point, no one else will be able to reserve your new home.
There are plenty of options to consider when it comes to a mortgage. Once you’ve spoken to a mortgage advisor or Independent Financial Advisor (we can put you in touch with one), you can select the option that’s best for you.
You need to find a solicitor who specialises in conveyancing (preparing property transfer documents). They will take care of all the legal aspects of the home-buying process. We can recommend one with pre-agreed special rates.
Your mortgage lender will want confirmation that the house is worth what you’re paying for it. They will arrange the valuation for you and this will involve a fee.
Your solicitor will look after this for you. It’s all about formally transferring ownership from us to you and checking there are no legal obstacles in the way, like local plans that may affect the value of the property.
Once the legal work is processed, your solicitor will exchange contracts with us. We aim to do this within five weeks of you making your reservation. At this time, you will need to pay a deposit, usually 10% of the cost of your new home, and this legally confirms that you will purchase the property and we will sell it to you.
On the day of completion, the purchase monies are transferred from your solicitor to Cavanna Homes and you become the legal owner of your new home!
We will then welcome you to your new Cavanna home and you can move in and enjoy – with the peace of mind that comes with a NHBC/LABC 10 year build warranty and 2 year Cavanna customer care backup.
Between now and 31st March 2021, homebuyers completing on their new home won’t have to pay Stamp Duty up to the value of £500,000! This means you could save up to £15,000 when buying a new home.
(Enter numbers only)
Our calculations are correct as of May 2019. Please see the full breakdown of your how your Stamp Duty Land Tax is calculated on the Gov.uk website.
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