Buying with KnightBain
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How we assist you in buying a property
At KnightBain Estate Agents we have the experience to make buying your home as straightforward as possible:
- Simple process to register your requirements with us.
- A dedicated sales advisor to assist in your property search.
- Receive details of all suitable properties, as soon they become available.
- Help in arranging property viewings.
- Help with finding the best mortgage deal for YOU with our recommended independent financial advisors.
- Help with buying your new home, we have a Solicitor Firm within our premises.
- Support and assistance during your purchase.
- Regular updates on progress of the transaction.
- We are available for viewings during the day, evenings and weekends
We understand that design adds value
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We’re believers in forming partnerships with our clients
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Buying FAQs
In Scotland, a property transaction becomes legally binding when missives are concluded.
Missives are a series of formal letters exchanged between the buyer’s and seller’s solicitors. Once all terms are agreed and the final missive is accepted, both parties are legally committed to the transaction.
This usually happens weeks before the entry date, which is very different from England, where binding only occurs at exchange.
Once missives are concluded:
• Neither party can withdraw without serious financial penalties
• The entry date is fixed
• The price and conditions are locked in
This early certainty is one of the key advantages of the Scottish system.
In Scotland, there is no single contract document to sign in the way there is elsewhere in the UK. Instead:
• The buyer signs a formal written offer at the start of the process
• The seller does not usually sign a contract at all
• The binding agreement is created through the exchange and conclusion of missives by the solicitors
You may also sign:
• A disposition (the document transferring ownership) closer to the entry date
• Mortgage paperwork if you are buying with finance
Your solicitor will guide you through exactly what needs signed and when.
Mortgage funds are usually released:
• The working day before the agreed entry date, or
• On the morning of the entry date itself
Your solicitor requests the funds once:
• Missives are concluded
• All lender conditions are satisfied
• Insurance is confirmed On the entry date, funds are transferred to the seller’s solicitor, keys are released, and ownership legally changes hands.
Your solicitor will coordinate this process and keep you informed of timings.