Our 8 step process to buying a property

Evenings and weekend viewings mean we will work around your schedule

Buying a property in West Cornwall is an exciting journey, and at Stacey Mann Estates, we’re here to help make the process as straightforward as possible. From arranging property viewings and making an offer to navigating solicitors, mortgages and completion, our experienced local team will guide you through every stage of buying your new home. With extensive knowledge of Penzance and the surrounding areas, we provide friendly, professional advice and personal support to help you find the right property.

Giving an honest and educated valuation
Step 01 >

Arranging your mortgage

Before you begin the search for your ideal property, it is recommended that you speak to a mortgage advisor to obtain information on your price range. We have an advisor who you can meet with to discuss your needs.

Buying a property in Penzance
Buying a property in Penzance
Finding out your needs
Step 02 >

Arranging viewings on suitable properties

Once you have decided on the type of property, the price range and location you are searching for, you can then start arranging to view some properties you are interested in. You may wish to view a property for a second time before making an offer to ensure it is the right property for you.

Giving an honest and educated valuation
Step 03 >

Make an offer

When you have decided which property you want to buy, you can then make an offer to the estate agent. The estate agent will then most likely require information from you including your mortgage details. If you have sold your property, you may be asked for details regarding your sale.

Buying a property in Penzance
Buying a property in Penzance
Getting you the best deal
Step 04 >

Instruct a solicitor

Once you have had an offer accepted on a property, at this stage you instruct a Solicitor to act for you. When both the buyer and seller have instructed a Solicitor, the estate agent will then send a memorandum of sale to all parties involved to initiate the start of the sale.

Getting you the best deal
Step 05 >

Apply for a mortgage

Once you have instructed your Solicitor, you will then need to arrange another visit with your mortgage advisor. This will be to apply for your mortgage. The mortgage company will instruct a valuation survey on the property you are purchasing and you can arrange a separate, more thorough survey if desired. We can introduce you to an independent Mortgage Adviser who can discuss your borrowing options and help you understand the costs involved. You are under no obligation to use any recommended services. They are able to offer advice on mortgages and a whole range of other financial services.

Buying a property in Penzance
Buying a property in Penzance
Getting you the best deal
Step 06

Conveyancing

While you’re applying for your mortgage, your Solicitor will begin the conveyance process. Once your Solicitor has completed the relevant paperwork and they are happy with the purchase, they will ask you to sign the contracts. The conveyance process can vary dramatically in terms of timeframes due to every purchase being different.

Getting you the best deal
Step 07 >

Exchange of contracts

Once your Solicitor has received your mortgage offer and both Solicitors hold signed contracts, they exchange contracts. A moving / completion date must be agreed before exchange of contracts. Once you have exchanged contracts you will be in a legally binding contract to purchase the property.

Buying a property in Penzance
Buying a property in Penzance
Achieve your sale
Step 08

Completion

This is the day that you legally take ownership of your new property. You will generally collect the keys for your new property from the estate agent.

Buying a property
How do I arrange a viewing?

Simply contact our office by telephone, email or through the property portal where you found the property. We will arrange a suitable appointment and provide any additional information we have available.

Do I need to be in a position to proceed before viewing?

Not necessarily. However, if you are considering making an offer, we will need to understand your buying position, including whether you have a property to sell, whether that property is under offer and how you intend to fund your purchase.

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What does “chain free” mean?

A chain-free property is being sold without the seller needing to complete an onward purchase as part of the transaction. This can sometimes make the process more straightforward, although normal legal and mortgage procedures still apply.

What does SSTC mean?

SSTC stands for “Sold Subject to Contract”. It means an offer has been accepted, but contracts have not yet been exchanged and the sale is not legally binding.

How do I make an offer?

You can make an offer directly through Stacey Mann Estates. We will ask for details of the offer itself, your buying position and your proposed method of purchase before putting the offer forward to the seller.

Do you have to put every offer forward to the seller?

Yes. We will communicate offers to the seller in accordance with our legal obligations, unless the seller has given us specific written instructions regarding certain offers.

What happens after my offer is accepted?

We will confirm the agreed sale and request the necessary information from both parties. Once solicitors have been instructed, we will issue the memorandum of sale and liaise with everyone involved throughout the transaction.

Do I need a solicitor before making an offer?

You do not necessarily need to have formally instructed a solicitor before offering, but having one selected can help avoid delays once your offer is accepted.

Do I need a mortgage agreement in principle?

If you are purchasing with a mortgage, having an Agreement in Principle can be very helpful. It shows that you have already spoken with a lender or mortgage adviser and gives the seller greater confidence in your position.

How do you decide what asking price to recommend?

We look carefully at recent comparable sales, properties currently under offer, local demand and the individual features of your home. We will always give you a realistic opinion based on the market rather than simply suggesting the highest figure in order to win the instruction.

What happens once I accept an offer?

We qualify the buyer and establish their position before progressing the sale. Once an offer is agreed, we issue the memorandum of sale and remain involved throughout the conveyancing process, speaking with buyers, sellers, solicitors and other agents in the chain to help keep everything moving.

What information will you need from me if my offer is accepted?

We will normally require proof of identity, proof of address and information regarding your source of funds. If you are obtaining a mortgage, we may also ask for details of your lender or mortgage adviser.

Can you recommend a solicitor, mortgage adviser or surveyor?

Yes. We regularly work with a number of local professionals and are happy to provide details if required. You are, of course, under no obligation to use anyone we recommend.

Why do estate agents carry out identity and anti-money-laundering checks?

Estate agents are required to carry out certain identification and anti-money-laundering checks as part of a property transaction. We will explain what information is required and make the process as straightforward as possible.

What paperwork will I need before my property can be marketed?

We will need to complete the usual identification and anti-money-laundering checks with all sellers. We will also discuss your EPC, property information and anything else required before marketing begins.

Can you recommend a solicitor?

Yes. We can provide details of solicitors and conveyancers if required, although you are completely free to choose your own.

Do I need an EPC?

In most cases, yes. A valid Energy Performance Certificate is normally required when a residential property is marketed. If you do not already have one, we can help arrange this.

Can you recommend a mortgage adviser?

Yes. If you need help arranging finance, we can provide details of mortgage professionals who may be able to assist. You are under no obligation to use anyone we recommend.

Can you sell unusual or non-standard properties?

Yes. We regularly deal with everything from traditional cottages and family homes to barns, rural properties, mixed residential/commercial buildings, holiday properties, renovation projects and more unusual homes. These properties often require more individual marketing rather than a one-size-fits-all approach.

Should I have a survey?

A survey is separate from your lender’s mortgage valuation and can provide more detailed information about the condition of the property. The type of survey you choose will depend on the age, construction and condition of the property.

Can you sell properties with land?

Yes. We regularly market properties with gardens, paddocks, smallholdings and additional land. Drone photography and carefully prepared plans can be particularly useful with these properties.

Can I arrange for a builder or surveyor to visit the property?

Usually, yes, subject to the seller’s agreement. If you would like a contractor, architect, surveyor or other professional to inspect the property, please speak to us and we will try to arrange access.

Can you sell a property that needs renovation?

Absolutely. Renovation properties often attract a very specific group of buyers. Good pricing and honest presentation are particularly important, and we can advise on how best to position the property within the market.

What is the difference between exchange and completion?

Exchange of contracts is the stage when the transaction becomes legally binding. Completion is the date when the purchase is finalised, the balance of the purchase money is transferred and the keys are released.

Do I have to use your recommended asking price?

No. The final asking price is your decision. We will give you our professional opinion and explain the evidence behind it so that you can make an informed choice.

How long does buying a property take?

Every transaction is different. Timescales can depend on the length of the chain, mortgage arrangements, searches, surveys, legal enquiries and the circumstances of the individual buyers and sellers.

How quickly can my property go onto the market?

Once the necessary paperwork is completed and we have prepared the photographs, floorplan and property details, we aim to have your property launched promptly. We would always rather spend a little extra time getting the presentation right than rush a property online.

When can I collect the keys?

Keys are normally released on completion once the seller’s solicitor has confirmed that completion funds have been received. We will contact you as soon as we have authority to release them.

Can I contact you outside normal office hours?

We pride ourselves on being accessible and responsive. Clients are given direct contact with the team, and we understand that property sales do not always conveniently fit within normal office hours.

Can I view the property again after my offer has been accepted?

Yes. Further viewings can usually be arranged, subject to the seller’s agreement. Buyers often wish to revisit to take measurements or make plans before completion.

What makes Stacey Mann Estates different?

We are a small, independent agency where every property matters. Our approach combines strong local knowledge, experienced negotiation, high-quality photography and marketing, and close personal involvement from valuation through to completion.

Can I measure up before completion?

Usually, yes. If you need access for measurements, flooring, furniture planning or similar purposes, speak to us and we can request permission from the seller.

Will the property be taken off the market once my offer is accepted?

This will depend on the seller’s instructions and your buying position. We will explain the position clearly when an offer is agreed.

What if something comes up in the survey?

If a survey raises concerns, speak to your surveyor and solicitor first so that you understand the significance of the issue. You can then discuss the matter with us and we will communicate with the seller where necessary.

Can you tell me about properties before they appear online?

We maintain a database of buyers actively looking in the area. If you register your requirements with us, we can contact you when suitable properties become available.

Why buy through Stacey Mann Estates?

We know our properties and our local area extremely well. We aim to provide buyers with straightforward information, easy access to the team and clear communication throughout the buying process, from the first viewing through to completion.

Read what our happy customers are saying about Stacey Mann Estates

5 Star Review
We recently used Stacey Mann Estates to sell our cottage in Newlyn. They were an excellent team, helpful and professional throughout and we would definitely recommend them. From the beginning to the end of the process they kept us informed and were extremely efficient.
Brigid Cole
5 Star Review
We placed the marketing of our home in Penzance with Stacey Mann Estates and they were brilliant throughout. From the first phone call right the way through to handing them our keys after completion, all of the contact with them was courteous, efficient and nothing was too much trouble. The sales particulars were excellent, the video tour was a work of art and Henrietta managed the viewing days and subsequent enquiries seamlessly. We were updated with progress on the sale regularly and luckily, whilst there weren't many problems to overcome, we received very helpful support and advice from Stacey and the team. We cannot recommend Stacey Mann Estates highly enough!
Peter Rylett
5 Star Review
The whole team at Stacey Mann Estates were amazing during our recent house purchase. When we had finally found the right house for us everything went through quickly and the whole team were on hand to answer any questions we had. Another HUGE thank you to you all!
Noah Werth
5 Star Review
Great estate agents: classy presentation, professional photos, pragmatic, helpful and dedicated right through to completion of sale.
Christine Coonan
5 Star Review
We placed the marketing of our home in Penzance with Stacey Mann Estates and they were brilliant throughout. From the first phone call right the way through to handing them our keys after completion, all of the contact with them was courteous, efficient and nothing was too much trouble. The sales particulars were excellent, the video tour was a work of art and Henrietta managed the viewing days and subsequent enquiries seamlessly. We were updated with progress on the sale regularly and luckily, whilst there weren't many problems to overcome, we received very helpful support and advice from Stacey and the team. We cannot recommend Stacey Mann Estates highly enough!
Peter Rylett
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