Mulberry is recognised as one of the longest established Estate Agents offering property for sale throughout the Parishes in Jersey. We have built our reputation by working hard for our clients and giving the best possible service, and we are genuinely available for viewings at any time that suits, or just for a general chat on the state of the market.
Please click on
www.mulberry.je to view a list of our current properties, complete with photographs.
To enable you to understand the procedures in buying your home, we have set out below an overview of what is involved:
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JERSEY HOUSING REGULATIONS
The four main categories are as follows:
A-H - Locally Qualified
Either Born in Jersey and then 10 years aggregated residence in the Island, Or Not locally born but having 11 years continuous residency in Jersey
J CATEGORY - Essentially Employed
Where your job cannot be filled by a locally Qualified person and your Employer obtains a permit to employ you.
K CATEGORY
Usually granted to those with substantial wealth or of significant social benefit to the Island.
NON-QUALIFIED
All those persons who do not fit into any of the above categories.
The above is a simplified explanation of Jersey Housing Law. For a full description of the various categories, please click :
http://www.gov.je/Home/RentingBuying/Buying/BuyersGuide/Pages/HousingLawPolicy.aspx
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BUYING YOUR HOME
Registration: The first requirement is for you to register your details and property requirements and this can be achieved in a number of ways i.e. by email, fax, phone, in person or by completing our
registration form. This will give us an insight into your personal requirements, thereby enabling us to modify the details sent to you.
Viewing: Our friendly team are available to arrange as many viewings as you require of your selected properties. Please call us to arrange mutually convenient times on
01534 888824.
Should you require a valuation of your own property at this, or any other time, please complete our
Valuation Form.
Mortgage: In order to speed up your house buying process, it is advisable wherever possible; to get a mortgage agreed in principle before any final decision on your new property is made. This has the advantage of providing you with a clear indication of what is affordable and the fact that you have a mortgage agreed in principle is also attractive to sellers.
Making Your Offer: Once you have located your ideal property, your offer will be submitted by us to the vendor for their consideration.
NB: Please note that all offers are “subject to contract” and therefore neither party is legally bound until the contract is actually signed.
Accepted Offer/Instructing Solicitors: As soon as your offer has been accepted by the vendor, you should instruct a solicitor to act on your behalf. Your solicitor will handle all the legal requirements of your purchase ( property conveyance ). Should you not yet have a solicitor and require assistance in choosing one, Mulberry will be pleased to recommend local firms.
MONEY LAUNDERING REGULATION: In order for us to comply with current legislation, prospective purchasers will now be asked to produce photographic identification ( copy of back page of a passport ) and proof of residency documentation ( copy of a utility bill ).
Survey: If required, the next step is to obtain the Mortgage Valuation. This will be conducted by a Chartered Surveyor acting for your Lender. The report is to provide a Valuation i.e. determine whether the amount to be loaned is secure and also deals with the basic condition of the property. Since you as the buyer are also provided with a copy, it allows both parties to evaluate the findings prior to entering into a commitment to purchase.
Searches: These are conducted by the buyer’s solicitor who submits a search to the ........ Its purpose is to ascertain if there are any planning consents previously granted on the property or if there are any other local issues which may have an impact on the purchase.
Draft Contracts: The draft contract is drawn up by the seller’s solicitor and is forwarded to the buyer’s solicitor for consideration. Any additional queries or questions will be asked and answered and the contract amended accordingly, subject to final approval.
Mortgage Offer: The Lender is now in possession of the Mortgage Valuation survey and, subject to the findings of this report; receipt/approval of the mortgage application and provided all references and checks have been conducted satisfactorily, the Lender will send a formal mortgage offer to the buyer and their solicitor. The document is then signed and returned and funds requested by the buyer’s solicitor.
Completion: Completion usually follows approximately 4 weeks after solicitors are originally instructed, when the balance of the purchase price is transferred by the buyer’s solicitor to the seller’s solicitor and the keys are released – Congratulations! You are now the owner of your new home!
REGISTRATION FORM