Unit A, 18 Western Gateway, London, E16 1BL
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0207 055 8000
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Oxygen Property Management recognises that the purchase of a home is the most expensive commitment you will make in your lifetime.  We are confident that with our local expertise and knowledge we can find you the home of your dreams whether it be a home for you and your family or a "Buy-to-Let" investment.

Below you will find an outline of the essential steps that you will need to take and the different procedures that are involved:

The first stage required will be to register your details and to provide the full property specification.  This can be done by a variety of methods

  • Completing our registration form HERE
  • Downloading a registration form and faxing it back to us on 020 7540 5224
  • Giving us a call on 020 7055 8000
  • Come to our office and speak with one of our representatives 

Once you establish what your maximum budget is we would recommend that you speak to a few mortgage lenders and obtain a Mortgage In Principle. This simply allows you to confirm that you are eligible for the mortgage that you want. 
If you are unsure as to your financial situation or simply require further advice to ascertain you are receiving the best mortgage deal / package, please do not hesitate to contact us as we can pass your details onto some of the best mortgage advisers in the market.
Once you've confirmed your exact requirements we will send you a selection of properties to choose for viewing.  If at any point you need to re-assess your requirements or budget, don't hesitate to let us know and we can re-select something that is more suited to your needs.  We would always recommend an early viewing, so as to avoid disappointment.

We are open from Monday to Friday 9am - 6pm and Saturday 10am - 4pm. Should you wish to view a property outside these times, please do not hesitate to contact us as we are happy to provide a fairly flexible service to cater to your requirements.  

Well you've done it! You've found the property of your dreams or your first step onto the property ladder.  Now what?

Once you've decided on a particular property, we will immediately submit your offer verbally to the Vendor. We will then request a formal offer in writing which will also be sent to verify with the Vendor.  All offers will be made subject to contracts.

At the stage of your offer being accepted you will be expected to have appointed a solicitor to deal with the paperwork.  It is advisable to use a solicitor who is familiar with the area that you are moving to.  If you would like any advice on appointing a conveyancing solicitor, please do not hesitate to let us know.

It is advisable to agree the exchange and completion dates at this time with your solicitor.  Once your solicitor is proceeding with the searches etc you are advised to make contact with your mortgage broker and advise them to proceed with you mortgage offer.

Once you have appointed your solicitor they will make contact with the sellers solicitor who will then draw up the draft contracts.  This will be sent to your solicitor who will discuss any queries.  Your solicitor will either use the HIP's (Home Information Pack) or request his own necessary searches.  Whilst this is going on a survey will be booked by a surveyor appointed by your mortgage lender.  This is to identify if there are any structural problems and to advise on current market value.

Once the results of the various searches and surveys have come back, your solicitor will send you the agreed contract.    At this point the finalised mortgage offer will be sent to your solicitor with a request for your signature.  Once you have signed and returned this your mortgage will be in place and you will be ready to exchange contracts.

At this point, both parties will have signed the final contract.  Your solicitor will now transfer the deposit via telegraphic transfer or bankers draft.  After this has been paid, a completion date will be agreed.

New thresholds introduced from 3 September 2008 mean that if you buy property and the purchase price is £175,000 or less you don't pay any Stamp Duty Land Tax at all.

If it's more than £175,000, the breakdown would be payable as follows:

Purchase price/lease premium or transfer value SDLT rate SDLT rate for first-time buyer
Up to £125,000 Zero Zero
Over £125,000 to £250,000 1% Zero
Over £250,000 to £500,000 3% 3%
Over £500,000 to £1 million 4% 4%
Over £1 million 5% 5%

Almost there! Completion can be set anywhere from a few days to a few weeks after exchange of contracts.  The remaining monies will now be transferred from your solicitor to the vendor's solicitor.

That's it you are now the legal owner of your new home!

Here are some questions you should ask the seller or agent:

  • What is included in the sale of the property? (i.e. Land, Garage, Parking, Furniture, Fittings, Warranties)
  • What is the cost of the Council Tax and the average cost of bills such as electricity, gas and water?
  • Why are the sellers moving?
  • Have there been any problems with the gas boiler? When was the system last inspected and serviced by a Gas Safe engineer?
  • If there is a loft, has this been insulated? If so, how long ago?
  • Does the property have cavity wall insulation?
  • Does the property have full central heating? If so, how old is it?
  • Has the property been altered in any way? If so, are the relevant planning and building control consents been granted and available for inspection?
  • Is the property located in a conservation area or a listed building? This could restrict any future alterations to the property.
  • What are the neighbours like? Have you had any problems or disputes in the past?
  • Has there ever been a dispute with the neighbours or anyone living nearby?

Here are a few things to look out for inside the property:

  • Does the property need updating or renovation? If so, how much will this cost?
  • Are the rooms big enough to meet your needs or the needs of your family?
  • What are the views like from different aspects within the property?
  • How is the water heated? (combination boiler, tank or communal building system)
  • Is there any sign of subsistence, like major cracks in walls or doors not closing correctly in the door frame?
  • Is there a smell of damp or any other signs (i.e. wallpaper peeling off the walls, paint bubbling, watermarks or mould)
  • Do the window frames and door frames have any cracking paint? If you can press your finger easily into the wood, it could be rotten.
  • How much storage space is there?
  • Are there enough power points and light fittings within the property? How old are they?
  • Does it feel like this could be your home?

You should make sure that the location of the property meets your requirements. Here are a few things to consider when choosing somewhere to live:

  • Is the property near main roads, dual carriageways, pubs, night clubs or restaurants? If so, try to visit the area at night and over the weekends to investigate noise levels and the amount of foot traffic.
  • Is the property near railway lines or bus stops?
  • Is the property within a flight path of the local airport?
  • Does the local community seem friendly?
  • What are the crime levels in the area? Are the latest statistics available to review?
  • What are the local amenities like? (i.e. shops, hospitals, doctors, schools, universities etc)
  • What are the public transport links in the area?
  • What are the conditions of the neighbouring properties in relation to this property?
  • Are there any local plans for development? Are there any regeneration projects being implemented by the local council?
  • If the property is in a building, are the communal areas well maintained?