Why buy a new home with 3b construction

3b construction are new house builders based in Dumfries and Galloway, South West Scotland. If you would like to buy a new home on one of our low volume, high quality housing developments you will get a high specification, high quality product.

3b construction will offer the maximum flexibility possible as we build your new home. Depending at which stage you buy in the building process we will endeavour to include you in the design and finishing’s of your new home.

3b construction takes our environmental responsibilities seriously and build our homes based on the principle that they should be as energy efficient as possible. In the long term this will help you save money on your energy bills. We are constantly evaluating and improving our passive house building techniques and offer a wide range of active eco solutions.

3b construction employs all our tradesmen directly and don’t use sub contractors. This way we have far greater control over the quality and workmanship in our homes. We are now registered with NHBC so all our homes will reach and exceed their rigorous standards.

Budget

How much do you want to spend on buying your new home in Dumfries and Galloway?

The two main factors to consider are how much money do you have available to spend and how much will you need to borrow in order to buy your house.

Speak to an independent financial advisor or your bank, they will be able to advise you on the best way to borrow money and on the most competitive deals. It is very important that the mortgage you choose suits your personal circumstances.

Remember there will be additional cost to take into consideration these are detailed below.

Other Costs

There are other fees to consider when buying your new home these will include

Valuation and survey fees

These can vary depending on the level of detail in the report, the most basic report could cost as little as £100 whereas an in depth report could cost as much as £2000

Solicitors fees

This fee will vary depending on the complexity of the transaction but should be around £600

Lenders fees

This fee will vary in price depending on the type of loan but could be up to £400

Stamp duty

Stamp Duty is charged at the following rates.

1% for properties valued between £125,001 and £250,000

3% for properties valued between £250,001 and £500,000

4% for properties valued at over £500,000

Removal Costs

The cost of moving home is often overlooked but can be quite sizeable particularly if relocating over a long distance. Price will also vary depending on the size of the property but it is likely to be a minimum of £300

Choosing a solicitor

If you currently live in Scotland you may well already have a solicitor that specialises in conveyancing under the Scottish system. If you currently live elsewhere you should seek a recommendation from a trusted source or consult the Law Society for Scotland.

Choosing a surveyor

You should seek a recommendation from a trusted source or consult the Royal Institution of Chartered Surveyors.