×

Tag: Gillingham Letting Agent

Why choose CR Real Estate?

Posted on by Sophie Winter

At CR Real Estate, we prioritise honesty and transparency at every stage. We know that buying or selling a property is a major life decision, and we’re here to make that process smooth, effective, and rewarding. By using proven marketing strategies and skilled negotiation techniques, our team is committed to delivering the results our clients expect.

Our experienced team are dedicated to providing professional, personalised service designed to meet each client’s unique needs. After years of experience helping local clients, we established CR Real Estate as an independent agency to offer the highest level of service and to build lasting relationships.

What CR Real Estate offers

Local Expertise with a Friendly, Professional Touch

Our team of local experts are ready to support you at every step, ensuring that you always have knowledgeable assistance whenever you need it.

Dedicated Sales Progressor

The moment your home receives an offer, our dedicated sales progressor steps in to manage every aspect of the sale, making sure the process goes as smoothly as possible from start to finish.

Listings on Major Property Portals

We maximise your property’s visibility by advertising it on all major property portals. Including Zoopla and Rightmove, reaching the right buyers and getting you the best possible price.

Professional Photography and Floor Plans

Our commitment to quality means we offer professional photography and provide expert floor plans. First impressions are key, and high-quality photos and detailed floor plans allow buyers to envision the layout and appeal of your home.

Book your free valuation today

At CR Real Estate, our goal is to secure the best price for your property and find the ideal buyer. We believe in keeping you informed at every stage, so you never feel left in the dark. Regular updates and open communication are the backbone of our approach. Ensuring you know exactly where you stand with your sale.

Ready to list your property or need some free advice? Contact CR Real Estate today for help. Book your free valuation and let’s work together to achieve the best outcome for your property sale.

Recent Articles

How to be fully prepared for a mortgage application

Posted on by Sophie Winter

Embarking on the path to homeownership is exciting, and being well-prepared for a mortgage can make the journey much smoother. Whether you’re a first-time buyer, remortgaging, or relocating, a bit of preparation can streamline the mortgage process. Here’s how to get yourself fully prepared for a mortgage application.

Steps to get prepared for a mortgage

It’s smart to start getting prepared for a mortgage at least six months before applying. This allows plenty of time to gather necessary documents and review your finances.

When applying, lenders will assess your ability to afford monthly mortgage payments. First-time buyers might need additional paperwork, while current homeowners will still need to prove they can manage the financial commitment. Preparing well in advance strengthens your application and boosts your chances of approval.

Key ways to prepare for a mortgage

Review Loans and Debts

Your existing loans and debts, such as credit card balances or personal loans, will be scrutinised by lenders. Aim to pay off as much debt as possible before applying, as this can enhance your financial profile. Additionally, avoid taking on new loans close to your application date, as they can impact your affordability assessment.

Stay Current on All Payments

Showing a consistent track record of on-time payments is essential. This includes paying rent, council tax, and other recurring bills promptly. Late or missed payments negatively impact your credit score, which can make mortgage approval more challenging.

Register on the Electoral Roll

Registering to vote at your current address can boost your credit score by verifying your identity and residence. Also, ensure all your bills and accounts are updated to your current address to make documentation smoother when it’s time to apply.

Establish a Savings Record

Regular savings habits reflect financial stability, which is highly favorable when applying for a mortgage. A healthy savings balance not only demonstrates where your deposit is coming from but also signals financial discipline to lenders.

Check Your Credit Score

Your credit score is an essential factor in the mortgage approval process, as lenders use it to assess your creditworthiness. Regularly checking your credit report and improving your score if needed can make a positive difference. While a low credit score doesn’t necessarily prevent mortgage approval, it can add complications.

Maintain Stable Employment

Lenders prefer applicants with steady employment and a reliable income. If you’re considering changing jobs, it may be wise to wait until after your mortgage is secured. If you’ve recently started a new position, try to stay in it for at least six months to demonstrate financial stability. You’ll likely need to provide recent payslips as part of the application process.

Need help with getting ready for a mortgage?

If you’d like expert help in preparing for a mortgage, our experienced and partnered mortgage broker, The Residential Mortgage Hub are here to help you. They can provide insights and advice tailored to your situation, making the process more straightforward and stress-free.

Contact us today to discover how they can guide you in finding the right mortgage to fit your needs.

Recent Articles

The step-by-step guide to buying a house in Medway

Posted on by Sophie Winter

Buying a house in Medway is a significant journey that can be made easier by breaking it down into these 8 essential steps. Though it may seem complex, our team is here to guide you at every stage.

Get a Mortgage in Principle (MIP)

The first step toward purchasing a house in Medway is securing a Mortgage in Principle (MIP). This involves meeting with a lender or mortgage adviser, who will review your finances and determine the loan amount you’re eligible for. Having an MIP demonstrates to estate agents and sellers that you’re ready and able to proceed with a purchase.

Depending on the lender, this initial check may be a soft or hard credit check. An MIP typically lasts from 30 to 90 days. You can book an appointment with our partnered and qualified mortgage advisers online here.

Start house hunting and choose your ideal property

With your MIP in hand, the exciting phase of house hunting can begin! Partnering with estate agents, you’ll view houses in Medway that meet your budget and preferences. Once you find a property you love, you’ll submit an offer. The seller may accept, reject, or counter your offer. If accepted, you’re ready to move on to the next step. Check out our available properties for sale to get started on finding your ideal house in Medway.

Complete your full mortgage application

After your offer is accepted, you’ll proceed with a full mortgage application. Lenders typically set a loan-to-value (LTV) limit, defining the maximum loan they’ll offer as a percentage of the property’s value.

Arrange a building survey (optional)

As part of the process of buying a house in Medway, consider arranging a building survey when completing your mortgage application. This helps identify potential issues with the property. The Royal Institution of Chartered Surveyors (RICS) offers access to qualified surveyors, and surveys are available at three levels:

Level 3 – Full Building Survey: Ideal for older or unique properties, this in-depth report provides guidance on repairs, renovation, and maintenance. Cost: £600-£1,500.

Level 1 – Condition Report: A basic inspection suitable for newer properties in good condition. It identifies major issues and urgent repairs. Cost: £400-£950.

Level 2 – HomeBuyer Report: For properties in fair condition, this survey also assesses necessary repairs and provides a market valuation. Cost: £450-£1,000.

Hire a Conveyancer

Next, you’ll hire a solicitor or licensed conveyancer to handle the legal transfer of the property’s title. Conveyancing ensures the legal aspects of your house purchase are completed smoothly.

Be patient during the legal process

This waiting period can often feel like the hardest part. Typically, it takes about 2-3 months to complete all legal searches and documentation. Keeping in regular contact with your conveyancer helps keep everything on track.

Exchange contracts

After the conveyancing is complete, you and the seller will exchange contracts, making the transaction legally binding. At this point, you’ll sign documents to officially transfer ownership and set a date for completion.

Completion day – move into your new home!

On completion day, your mortgage lender will transfer funds to your solicitor, who will then send them to the seller. We’ll notify you once the legal process is complete, and you can collect your keys and move into your new home in Medway!

About us

CR Real Estate offer expert help with buying a house in Medway. With a range of properties across Kent, we’re dedicated to helping you navigate the home-buying process with confidence. Reach out to us here to learn more about how we can help you find the best house in Medway at a great price.

Recent Articles

CR Real Estate: Your trusted letting agent in Gillingham

Posted on by Sophie Winter

Are you a landlord in Gillingham or the Medway towns looking for a reliable and experienced letting agent? Look no further than CR Real Estate. As a leading letting agent in Gillingham since 2009, we proudly manage hundreds of properties across Kent. Offering expert advice and comprehensive services to ensure your property is well looked after. Whether you’re an experienced landlord with a large portfolio or someone renting out your home for a short period; our dedicated team has the knowledge and expertise to help you every step of the way.

Why choose CR Real Estate as your letting agent in Gillingham?

At CR Real Estate, many of our landlords have trusted us for over a decade. We’re locally known for our tailored approach to property management. Some of our clients are professional landlords, while others may be renting out their home temporarily while traveling abroad. Regardless of your situation, we understand the unique challenges landlords face. We work hard to make the letting process as smooth and stress-free as possible.

Our experienced and friendly staff are well-versed in the latest legal requirements. This includes the Housing Acts that outline both landlords’ and tenants’ responsibilities. We stay updated on changes in the law to ensure you’re always compliant, so you can have peace of mind knowing your property is in good hands.

Our comprehensive letting services

As a full-service letting agent in Gillingham, we offer a range of services to meet all your property management needs. Here’s a list of what we can provide:

Rent collection and monthly statements: CR Real Estate ensures rent is collected promptly, and we provide monthly statements detailing all transactions. If needed, we can even settle tradesmen’s accounts and handle maintenance repairs through our panel of trusted professionals.

Initial advice on letting your property: If you’re new to letting or just need some guidance, our team is here to offer expert advice to get you started.

Advertising your property: We advertise your property on all major property portals including Rightmove and Zoopla. As well as displaying it on our website, and feature it in our Gillingham office window, ensuring maximum visibility.

Tenant vetting and accompanied viewings: We carefully vet prospective tenants and personally accompany them to property viewings, ensuring only the best tenants for your property.

Legal advice: From tenancy agreements to notices, our trained staff can assist with all legal aspects of letting, ensuring compliance and smooth transactions.

Inventory and tenancy agreements: We prepare detailed inventories and tenancy agreements, and handle the renewal of tenancies on your behalf.

Regular inspections and maintenance reports: We conduct regular property inspections and provide reports on any necessary repairs or maintenance.

Energy performance and gas safety certificates: We arrange for all required certifications, such as Energy Performance Certificates (EPCs) and Gas Safety Checks, to keep your property legally compliant.

Landlords, rest easy with CR Real Estate

Once the tenant is settled into your property, our team at CR Real Estate remains on hand to handle any issues that may arise. We’re here to ensure that rent is always paid on time and that any maintenance concerns are swiftly addressed. Whether you prefer to use your own tradesmen or wish to leave the matter in our hands, we’ve got you covered.

As your dedicated letting agent in Gillingham, we offer the flexibility to cater to your specific needs. Whether that’s handling the day-to-day management of your property or offering a more hands-off approach where you simply receive your monthly rental income without hassle.

Tenants – find your perfect home with CR Real Estate

For tenants, CR Real Estate is your go-to letting agent in Gillingham and the surrounding Medway towns. Our ever-growing portfolio of properties means that new homes are being added all the time. If you’re looking for a rental property, we make it easy to find your new home. Simply use our quick property search tool. Or register with us, and we’ll notify you as soon as a suitable property becomes available.

Recent Articles

Why you need an expert estate agent now more than ever

Posted on by Sophie Winter

Remember the days post-lockdown when selling a home was as simple as listing it on a property portal and waiting for the phone to ring non-stop? Those days are long gone. The current property market has become more challenging, requiring much more than just a ‘For Sale’ sign and an online listing. Selling a home today, especially in Medway, demands skill, expertise, and hard work, along with the ability to adapt to a fluctuating financial climate and an ever-changing market. If you’re planning to sell your home in the coming months, now more than ever, you need the guidance of an expert estate agent. Here’s how an expert estate agent can help you sell your property in 2024:

Tailored marketing for your property

Selling a property is not a one-size-fits-all process. A great estate agent will create a personalised marketing strategy specifically designed to showcase your home at its best. From professional photography to targeted social media campaigns, a skilled agent knows how to capture attention and attract the right buyers for your property.

Skilled negotiation

In today’s market, achieving the best price for your home isn’t just about listing it — it’s about smart negotiation. A knowledgeable estate agent has the experience to handle offers and counteroffers with finesse, ensuring you secure the best possible deal without losing potential buyers in the process.

Local market expertise

Understanding local market trends, pricing strategies, and the community is critical to selling your home. A well-informed estate agent uses this insight to correctly value your home, position it effectively on the market, and match it with the right buyers. Their in-depth knowledge of Medway’s property landscape gives you an edge over the competition.

Support throughout the whole process

Selling a home can feel overwhelming, but a reliable estate agent is there to support you at every stage. From answering your questions to guiding you through the complex steps of the sale, they make the process as smooth and stress-free as possible.

Efficient and effective sales process

An expert estate agent knows how to move your sale along efficiently. From conducting accurate valuations to handling legal aspects, ensuring proper staging, and maintaining communication with all parties involved, they keep the process on track. This means your property is sold quickly, without unnecessary delays.

The expertise and value a skilled estate agent provides can be a game-changer. Particularly when the property market becomes more difficult to navigate. If you’re considering moving, don’t tackle these challenges alone. Contact our experienced and friendly team today, and let us help guide you through every step of your home sale.

Recent Articles

© 2024 RHJB Ltd trading as CR Real Estate | Reg No: 10918586 | Registered Address: 18-20 High Street, Gillingham, Kent, ME7 1BB | Website Built and Powered by BoostOnline UK Group Ltd.
Boostonline Local Marketing
Book A Valuation