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After Sales
Find out moreDundas - Mortgage Guide
Mortgage GuideA straightforward series of steps to get you into the home of your dreams.
Visit one of our show homes
Decide which of our developments you like the look of and then book a visit to the showhome. You'll meet one of our Customer Experience Managers who'll show you around, answer your questions and help you choose the best home for you.
Explore our developmentsReserve your new home
When you've decided which home you want to buy, complete a reservation form and pay your first deposit.
Appoint your solicitor
Once you've reserved your new home, you will need to appoint a solicitor to help you with the legal aspects of the sale. We will need their details so we can move things along.
Get your mortgage set up
We can put you in touch with our appointed mortgage brokers, First Mortgage, if required. First Mortgage are experts in the mortgage market, especially for new build properties.
Sign Missives
This step commits you to the purchase of your Dundas home. Your Solicitor will oversee this process.
Move In
On move in day your Solicitor will make final arrangements for the outstanding balance on your new home to be paid. Then you’ll be handed the keys!
First time buyer?
As the paperwork for the purchase of your new home goes through, you'll get to know your property and decide what options and extras to choose.
Find out about your new home
Soon after you've reserved your new home, you'll be invited to review a check-list of all the key elements of your property, everything from its external finishes to the lay-out of your electrical sockets.
Choose your options and extras
Depending on the build stage your house is at, you’ll be invited to choose from a wide range of options and extras, including fittings and finishes for your kitchen, bedrooms and bathrooms.
Find out moreWalk round for the first time
As your home nears completion, we'll show you round and explain how everything works and what remains to be done. We'll let you know when everything will be finished.
Keep the following in mind when you're planning your move
Know your budget
The first thing to do is to make sure you know exactly what you can afford to spend - especially on your mortgage costs. Do a careful budget to see what your monthly out-goings are and how much you're earning.
Understand all the costs
Remember that moving house comes with a number of unavoidable costs and budget for these. They include moving costs, legal fees and land and building transaction taxes.
Don't give up too soon
You may feel that you just can't afford the home of your dreams – but don't give up. We'll let you know about the financial assistance that's available and point you in the direction of mortage advice that could make things possible.
Be realistic if selling your old house
If you are selling a home to make a move to a new-build, be realistic about how much you might receive for your property and about how quickly it will (or won't sell). Take advice from your estate agent and plan accordingly.
If problems do arise, we are committed to resolving the situation as quickly as possible....
Should you wish to make a formal complaint, details on how to do so are available here.
FAQs: I'd like to know ...
Whatever questions you might have about buying a new home, we can help.
- How long will it take to complete my purchase?
Every purchase is different, and the answer depends on the stage the build has reached when you reserve your new home. We will give you an estimate when you make your reservation and keep you up-to-date as things move forward, letting you know immediately if there are any delays.
- When will I know my move-in date?
You will normally be given an estimated three month move-in date when you reserve your new home. As the build of your new home progresses, we will keep you regularly updated on how things are going and narrow down your move-in date. We will then give you a week commencing date once we have been given all the necessary certificates from the NHBC and Local Authority for your new home.
- How do I know if a home is affordable?
When considering the purchase of a new home, it is very important to ensure that you can afford to make any necessary mortgage, up-keep and utility payments. To see if this is the case, you need to have a comprehensive picture of your future monthly outgoings and income. Remember to consider all aspects of your finances, from your utility bills and taxes, to your daily costs and holiday budget. We can help you with projections of the costs of running your new home. Your financial advisor or mortgage provider should be able to help you with projections for your mortgage bills.
- Should I talk to the bank about mortgages before starting to look for a house?
We would suggest that you talk to a financial or mortgage advisor. An advisor has access to a wide range of financial products and will be able to choose the one that will best meet your needs. Our appointed mortgage advisors are First Mortgage who are experts in the mortgage market, especially for new build properties.
- Is there anything I should consider if I’m buying a second home?
You should be aware that you may have additional tax to pay if you are buying a property that will be a second home (e.g. a buy-to-let property). The Additional Dwelling Supplement is an additional amount that you have to pay as part of the Land and Building Transaction Tax (LBTT). The ADS rate is currently (2021) 4% (usually of the purchase price).
- Do I need a survey?
If you are taking out a mortgage to buy your new home, then your mortgage provider will need to get a valuation done on the property. However, there is no legal requirement to get any kind or structural survey done. You can be confident in the structural quality of your new Dundas home as it will have been assessed multiple times during its build by the NHBC. On completion, your new home will have received both NHBC & habitation certificates.
- What are missives?
Missives are legal documents that you will have to sign that show that you are committed to purchasing your new home. Once you have signed the missives, there are significant implications involved if you decide to pull out of the purchase.
At Dundas we want you to enjoy a great buying experience.
