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Separation or Divorce?

What You Need to Know About

Your House or Your Mortgage

Invest Save

SPEND!

When You Buy Your Next Home

You need to determine how much you’ll have from a sale and what you can afford for your next home. This may also come from a ‘buy out’ if you or your partner re-mortgage.

Having an estate agent who works with a mortgage broker can help you gain a good understanding of your options and the price range of houses to look for if you need to move out or sell.

When You Decide to Sell

If you and your partner decide to sell your home, it will be important to work together through matrimonial mediators and a local estate agent to maximise your returns. Differences aside, you both should be present when estate agents are invited to value the property and agreeing on which one should be instructed.

Both of you should understand and agree on the marketing price, and both should be active in the ultimate negotiations.

mortgage broker

Breaking up and divorce is a tough situation, which opens up many emotional and financial issues to be solved. One of the most important decisions is what to do about the house. In the midst of the heavy emotional and financial turmoil, what you need most is some non-emotional, straightforward, specific answers. Once you know how a separation affects your home, your mortgage and children, critical decisions are easier. Neutral, third party information can help you make logical, rather than emotional decisions.

Probably the first decision is whether you want to continue living in the house. Will the familiar surroundings bring you comfort andemotional security, or unpleasant memories? Do you want to minimise change by staying where you are, or sell your home and move to a new place that offers a new start? Only you can answer these questions, but there will almost certainly be some financial repercussions to your decision process. What can you afford?

Can you manage your current home on your new budget? Is re-mortgaging possible? Or is it better to sell and buy? What house can you afford to buy with the split proceeds? The purpose of this report is to help you ask the right questions so you can make informed decisions that will be right for your situation.

“Once you know how

a divorce or break up

affects your home and

mortgage, critical decisions

are easier. Neutral, third

party information can help

you make logical, rather

than emotional

decisions.”

4 Options

You have 4 basic housing options when in the midst of a separation:1. Sell the house now

and divide up the proceeds2. Buy out your partner3. Have your partner buy you out4. Retain your ownership

You must understand the implications of each of these scenarios.

‘Your housing

decisions will be

heavily influenced

by deciding on

what’s best for

the kids’

1 2

Sell the House Now and Divide Up the ProceedsYour primary consideration under these circumstances is to maximise your home’s selling price. We can help you avoid the common mistakes most homeowners make which compromise this outcome. As you work to get your financial affairs in order, make sure you understand what your net proceeds will be - i.e. after sale/legal costs, and after determining what your split of the proceeds will be. Note that the split may not be 50/50, because it may depend on the matrimonial settlement. So you may need the advice of a good matrimonial lawyer or mediator.

Buy Out Your partner If you intend to keep the house yourself, you’ll have to determine how you’ll continue to meet your monthly financial obligations, if you now only have one wage. If you used two incomes to qualify for the old mortgage, refinancing on your own might be a challenge. Getting advice from an independent mortgage broker will be key.

3 4

Have Your partner Buy You OutIf you are the one who is leaving, you have the opportunity to start again in a new home with cash in your pocket. However, be aware that if the mortgage is not re-financed, your mortgage lender will consider both you and your partner as original co-signers to be jointly liable for the mortgage until it is repaid in full.

So you need to make sure that the following take place as part of any matrimonial settlement:

• Your partner remortgages the property into their sole name (Part of this re-financing may be used to pay towards your settlement), or;

• You must obtain the consent of your mortgage lender to remove your name from the mortgage. In doing so, you’ll lose your interest in the house

Retain Joint OwnershipSome couples postpone a financial decision with respect to the home and retain joint ownership for a period of time even though only one partner lives there. This might occur to avoid disruption to children for example. While this temporary situation means you have no immediate worries in this regard, you need to make sure that your position is protected by a matrimonial agreement, which may include a restriction being placed on the property.

Divorce Lawyer

Important

*The content of this report is for general information only you cannot rely on this information and you should seek independent advice from legal, mortgage and estate agency experts

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Rent Me!

Rent Me NowBuy Me Later!

BUY Me!

Sales & LettingsMade Easy

You can benefit from our VIP service and mammoth marketing power to harness 13 of the best property marketing tools in the UK today…

Contact Us for A FREE Valuation Today 03333 44 11 29

3

Congratulations on being selected to be a VIP client of EweMove.com!In this booklet, we’ve highlighted 13 great marketing tools that we’ll unleash to showcase your property. All of these fantastic marketing tools are at your disposal – and by taking advantage of them all, your property will get incredible exposure! At EweMove.com we only accept quality properties and are passionate about what we do. We’ll do the following for your property: • Raise its profile – Our boards look awesome• Get people flocking to view super-fast• Dynamic and distinctive marketing that works• Help you to maximise your property’s potential We care passionately about our clients and delivering a fantastic service. Whether you’re looking to sell, or rent, we’re there every step of the way to ensure we offer you a great service.

a B IGWelcome from

www.EweMove.com

Free, Honest, Expert Valuation

The oldest agency trick in the book is to overvalue your property to get you on board. We know that a property gets twice the amount of interest in the first 2 weeks. If you get the price wrong, you’ll have to reduce it FAR lower to make up lost ground. That’s very dangerous and could cost you thousands of pounds. We’ll give you access to our exclusive Hometrack Property Valuation Report. Only by pinpointing precisely the correct value can you be sure to get the best return in the shortest time possible. Our valuations are completely free. So what have you got to lose?

1

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Gone are days when an ad in the local paper would sell a house. A staggering 95% of people find their new home

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2

Request

your FREE

valuation

today’

5

Book a Viewing Online!Most house hunters browse online in the evening, or at weekends, when old-fashioned agents are closed (not us!). We’ve created our ground-breaking viewer booking system, so that as soon as your ‘hot to trot’ prospects have seen your property online, they can instantly book themselves a viewing. Once they’ve booked, they don’t bother looking to view anywhere else! We’re not aware of any similar system in world and our viewing enquiries have skyrocketed by 458% as a result!

3

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4

With nearly 5 x more viewers,

your house will get snapped up in no

time at all’

Cool, awesome dude, Nice

House!O

ur U

SPs

www.EweMove.com

Your Local Property ExpertOur Branch Managers are not 9-5 ’clock watchers’with a faceless national chain. They’re a different breed altogether. They’re all local property experts and are ingrained into the fabric of the local community. This means that they know the local property market inside out and can give you the best possible marketing advice.

5

Accompanied Viewings 7 Days a Week

Online agents offer a cheap service. You pay up front and they’ve got no incentive to get your house moved on. Worse still, they lumber you

with the viewings. There are all sorts of risks that come with letting strangers through your door. That’s okay if you’re a sales professional and can take care of yourself, but the fact is,

many viewers feel awkward about being shown around by the owner because they don’t like

asking questions for fear of offence. Your local Branch Manager is a property sales expert and will make sure that all of your property’s

amazing features are brought to life during accompanied viewings.

6

Lamb Sold Out

sshh, keep quiet!’

What do you mean

that's not a view!

What did you expect?

The Sydney Opera House?

7

VIP ServiceWe know that selling and renting your home can be stressful. So we go out of our way to make sure that you get unparalleled customer service. We’ll hold your hand every step of the way and be there when you need our help and support. We promise that you’ll get weekly updates and we’re always on the end of a phone, or available to pop round to see you. We’ll even bring the biscuits!

7

No Time Wasters Allowed You tell us who your perfect buyer or tenant is and we’ll automatically screen every viewer. Only those

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be able to secure purchase funding. With lettings we can filter applicants to allow or refuse pets,

smokers, DSS, under 25s, people with home owning guarantors and deposits. All of which means you’re

only dealing with serious pre-qualified viewers.

8NO

TIME

WASTERS!

Our

USP

s

www.EweMove.com

Professional PhotographyYour tenant or buyer will only take 2.7 seconds

scanning property listings online before deciding to enquire further. 61% of people base their decision to

view on your photos. We go to incredible lengths and take lots of professional photos to showcase your home,

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9

Super Duper FloorplansSo many people turn up to viewings and say: ‘It’s nice, but it’s not big enough’. Not with us!

We include 2D floor plans with metric and imperial measurements. But we go further than that. We also include fab 3D colour plans showcasing stunning furniture, beds, wardrobes, kitchens etc, all of which conjure an amazing ‘real life’ artist’s impression of your home. Your viewers can instantly visualise themselves living in your house and will know that it’s perfect for them. So you only get quality viewers who are perfect buyers for your home.

10

9

Trusted ProfessionalsYou can be confident that we’ll deliver you the highest possible professional standards. You’ll have peace of mind knowing that we’re approved members and comply with the codes of practice of Safe Agents, The Property Ombudsman, and The Association of Residential Letting Agents.

13

11

Open Day Viewings with Offer Deadline

We conduct open viewings on weekdays, summer evenings, and weekends. Having lots of people interested in the same place creates a real buzz and reinforces the view that your home is the ‘must have’ house that everyone wants. Then the competitive instinct takes over. Our finely crafted sales process includes a short deadline for viewers to make an offer:

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and a final decision will be made.’

Boy does it work!’

12

Our

USP

s

We’re open all hoursMost of your prospects browse online during the evening and want to view at weekends. That’s precisely when most other agents are shut! So we’re open 24/7 to make sure that you never lose a viewing enquiry or that precious offer on your home. We do more than any other Agent to give you the competitive edge.

10

Estate AgencyMade Easy

The UK's First Choice Estate Agent

Dedicated to Selling Your Home Fast and at the Best Possible Price

Contact Us for A FREE Valuation Today 03333 44 11 29

BUY Me!

11

We can help you MOVE ON so that you can start life in your new dream home

9 Do you want an estate agent who can give you a 77 day sale guarantee?

9 Are you daunted by the idea of having to pay upfront fees or sneaky hidden charges and would prefer a cast-iron "No Sale – No Fee" promise?

9 Are you looking for a local estate agent who understands your local market better than anybody?

9 Would you like to a have a FREE expert property valuation to make sure that you get the best possible price for your property?

9 Do you want the mammoth marketing power of a national company who can achieve 183 million buyer searches EVERY month?

9 Do you want a company that is open 24/7 so that your buyers can make enquiries and submit offers at any time?

9 Do you want to get on with your next move and sell your home in the shortest possible time?

Congratulations… you’ve found the right place!

Since 2005, we’ve helped thousands of people to MOVE HOME. We’ve enabled people to move quickly and get on with their new lives. We’ve made an extraordinary impact.

How can we help you with your home sale?

I've sold 11 houses with EweMove.com and the average time to f i n d a buyer has been 5 weeks. The

service is absolutely fantastic’

Angela Bryant Property Trader, Gatwick

Esta

te A

genc

y

13

Get Your Free Expert Valuation for Your Home to Make Sure That You Get the Best Possible Price Selling your home is a very important decision. Making a mistake can cost you thousands of hard-earned pounds. That’s why it’s crucial that you get expert advice when getting your property valuation. This does not mean that you should go with the highest valuation. The oldest trick in the book is to ‘over value’ and promise the earth only for you to find yourself locked into a straight jacket contract. The simple truth is that you’ll get DOUBLE the interest and exposure the first time you list a property. So you have one chance at making that crucial first impression. You need to enter the market with a bang! If you accept bad advice you’ll miss the boat and have to drastically lower the price to make up for lost ground. The good news is that our Branch Manager knows your local market and won’t ‘pull the wool over your eyes’. They will give you up to date and accurate information. The service is completely free, without obligation, and totally transparent. You’ll get a copy of all of the research comparable data used when arriving at your valuation.

Request

your FREE

valuation

today’

The starting point is to request a free valuation. You can submit a request online and your local Branch Manager will call you back and arrange the best time to meet up with you.

Or you can call us. Our baa-rilliant friendly team is here to help you at any time.

03333 44 11 29

Esta

te A

genc

y

After having my house on the market for over a year with another agent, I switched

to EweMove and they sold the house in just 10 days. I couldn’t believe it and the professional

way they go about their business is a breath of fresh air. Highly recommended.

We can help youSell Your House Fast…

For the Best Price…

…and With the Least Amount of Hassle

For an informal chat, or to request a FREE, no obligation market appraisal contact us today:Call: 03333 441199Visit: www.EweMove.com

I had my property on the market with a popular local estate agent for almost six months

with very little interest. It was at this point when I heard about EweMove and their innovative

approach to selling properties. I decided I would give selling one last shot, and I’m glad I did.

He gave me all his direct contact details on which I can contact him personally without

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out of switching agents by doing the paperwork for me.

I got viewings straight away and my house was sold a week after going on the market!

The sale was hassle free and EweMove kept me informed of progress all the way from the

initial discussion to completion of the sale. Which wasn’t very long! Not only did EweMove find a buyer within a week of going on the market, but they also achieved a sale price £10,000

above the asking price! I couldn’t have asked for more...

I could tell from the beginning things were going to go smoothly the first time I met the EweMove agent. After his appraisal of my house, and setting a mutually agreed asking

price, the agent took some very flattering photos of the property.

At week five I accepted an offer that I was very happy with. The sale was successful and the whole process was very easy. Buyers can make viewing appointments via the web,

and EweMove did all the viewings – keeping me informed all the way. I felt like we were working

together, but really EweMove did all the hard work. Thank you EweMove, for

taking all the strain out of my house sale.

Lisa Marie Bell

Nick Lee

Nick Stojanovic

Sam Hobson