Frequently Asked Questions

  • Pre-Reservation Stage
    • What Information will I be given before Reserving my chosen home?

      Prior to taking your Reservation we will take you through the Pre-Reservation Checklist. This is a comprehensive list of items that you require to be aware of and which will enable you to make a fully informed decision on your new home purchase.

      You will be shown all important working drawings covering everything from the position of the home you are buying to the size of your rear garden (where applicable) to your parking provision. We will also cover the Consumer Code for Homebuilders, the NHBC Warranty on your new home, the specification of your new home from external finishes to the exciting interior finishes that you will be able to choose for yourself (where applicable) to personalise your new home, and details of our policies and procedures as well as the legal process involved in purchasing a new home.

      This will all be done by an appointment system to allow us to afford you the attention you require and deserve when purchasing a new home. It may take more than one appointment to cover all of the information.

      We will ask you to confirm, with your signature, that each of the topics of information on the checklist has been covered, but only when you are satisfied that you are ready to move on to reserving your new home.

      If there is any information that we have advised you of verbally that you wish to clarify, you will have an opportunity to do this through your solicitor as part of the legal
      process.

  • Reservation Stage
    • How do I reserve my new home?

      We will print the details of your chosen home on a Reservation Agreement. This Reservation Agreement gives all of the Plot details, price, expiry date of the Reservation, details of any appointed Factor/Management Company and the estimated fees and float and a promise not to sell the home to anyone else while your Reservation period is running. At this stage you will be required to pay a Reservation Fee. This can be done by debit or credit card or bankers draft (please note we do not accept cash). The Reservation Agreement must then be signed by you and your Sales Consultant. You will receive a copy of the Reservation Agreement and we will keep a copy in your file on site.

    • What happens after I pay my Reservation Fee?

      You have now secured your chosen home for a period of 14 days by paying the Reservation Fee and signing the Reservation Agreement. Within this period we expect you to confirm your commitment to buy the property by entering into a legally binding written agreement with us. To achieve this we will send the Purchase Pack to your solicitor – this will include wording of an offer/contract to buy your chosen home, a legal pack with electronic link to the title deeds for the development, Draft Disposition (in Scotland) or Transfer deed (in England) and Draft Title Plan (the title pack) and other details pertinent to the sale of the home, including the Consumer Code for Homebuilders. Your solicitor will give you their legal advice on this. Your solicitor will also arrange with you for the offer/contract to be completed, signed and sent to us, ideally as soon as possible within the 14 day period. You should ensure that you make your solicitor aware of any verbal statements made during the Reservation process that you wish to have clarified or that you are relying on to take the purchase forward. Your solicitor should qualify these points (if any) with us in writing as part of the formal offer/contract.

      If your solicitor adjusts the wording of the offer/contract it is likely that more time will be needed before the point is reached where there is a legally binding agreement. Not all adjustments will be accepted by us and any not suitable will be deleted or amended.

      In Scotland, once we receive the offer from your solicitor we will send a letter to your solicitor, accepting the terms of the offer. When a letter of acceptance is sent concluding the bargain, the point is reached where you and Mactaggart & Mickel are both legally bound to complete the deal; on your part to pay the price when the house is completed and on our part to complete your chosen home.

      In England, both parties sign a sale agreement and agree on a date on which contracts will be exchanged. Once contracts have been exchanged, both parties are legally bound to complete the deal.

      We will ensure that the Purchase Pack is sent to your solicitors on the day of your Reservation, providing that you have given us your solicitor’s name and address. You should contact your solicitors immediately to make an appointment to sign the offer/sale agreement and ensure it is returned to us as soon as possible within the 14 day Reservation period.

      Your Reservation Fee will become your deposit on conclusion of Missives/exchange of contracts and will be deducted from the house price when you complete the purchase of your new home. This legal completion is known as the “Date of Entry” but can also be known as the “settlement date” (or settlement) or the “completion date” or (completion). In these notes, we will refer to the day on which you complete the purchase of your new home as the Completion Date.

    • What information do you send to my solicitor?

      Initially, we send your solicitors the offer wording (in Scotland) or draft Sale Agreement (in England), a copy of the Reservation Agreement, a Development Plan to show your plot and a house type layout to detail the house type you are purchasing. They will also receive a full Title Pack via electronic hyperlink which contains your title plans, copies of all relevant title deeds for the development including a deed of conditions for any Scottish developments and any burdens, road bond, copy planning permissions and building warrant, energy performance certificate and other important documents. The aim is to minimise the length of time needed for conclusion of missives/exchange of contracts and ensure that your solicitor is fully furnished with all relevant information at an early stage.

      You should pay special attention to clarifying with your solicitor what the title conditions, burdens and covenants are in the title deeds as these will be binding on you once you have completed buying your new home. The title conditions deal with things like how the parts of the development which are to be owned by all the owners of the new homes, (like open spaces, shrubberies, play areas, for example) are to be maintained in the future and what new home owners cannot do, (using your new home as anything other than a house, parking of commercial vehicles, caravans, mobile homes or taxis causing a nuisance to neighbours, for example). If your new home is a flat, there will also be title conditions confirming which parts of the building are to be owned jointly with the owners of other flats in the same building and how these parts are to be maintained in the future. The title conditions are there to establish and maintain the amenity of the development for your benefit, and that of the other new home owners, into the future. Your solicitors can also clarify how you can enforce title conditions should another owner fail to observe them and how they could also be enforced against you. Your title conditions are important and you should ensure you understand them through your solicitor.

      We will send your solicitor the relevant National House Building Council (known as NHBC) Buildmark documentation. This takes the form of a letter with a Policy Number and Activation Code and details of how to register your new home through their online website process. Your solicitors should register online on your behalf. Our solicitors will also be in regular contact with your solicitors as the conveyancing process progresses from conclusion of missives /exchange of contracts to the Completion Date.

    • What happens if I need longer than 14 days to sign my missives/sale agreement?

      If for any reason you cannot conclude missives/exchange contracts within 14 days, your Reservation Agreement will automatically lapse and the home will be remarketed by us. If you wish to extend the Reservation Agreement period you must contact us and arrange to revisit your Sales Consultant.

      Your Sales Consultant will re-issue the Reservation Agreement showing the new expiry date and again both you and the Sales Consultant must sign this new form. Extensions to Reservation periods will be at the discretion of the Sales Consultant. If we have had no contact from you regarding an extension and the offer/sale agreement has not been signed and returned within the 14 days, your Reservation Fee will be refunded to you, less the Administration Fee detailed on your Reservation Agreement. The Completion Date of the home will continue to move out until such time as the missives are concluded/contracts exchanged.

    • What happens if I have to cancel my Reservation?

      If you have a change of circumstances during the Reservation period then you, or your solicitor, should contact us and indicate an intention to cancel your Reservation.

      Your Reservation Fee will be refunded to you less the Administration Fee detailed on your Reservation Agreement.

    • Will I be given an indication of my Completion Date at Reservation stage?

      Yes! As soon as we release a Plot for sale we have an anticipated Completion Date for it. This anticipated date will be inserted into your missives/sale agreement along with a long-stop date. However, this date will continue to move out for as long as the missives remain unsigned/contracts have not been exchanged and the Customer Choices remain outstanding.

    • When will I be given a more specific proposed Completion Date?

      Once you have signed your missives/sale agreement and the contract has been concluded/exchanged with your solicitor we will issue you with a firmer anticipated Completion Date. This date will depend on you deciding and confirming to us, within the time limits we give you, your Customer Choices and any “Options” extra items you may wish to have fitted to your home.

      We ask at this stage for your full co-operation as without this we cannot complete your home in the timescale given. Your Customer Choices should be made and any “Options” extras chosen and paid for as soon as possible before our specified cut off dates in order for us to have your new home ready for the given anticipated Completion Date. Any delay in choosing your Customer Choices will result in a delay of your anticipated Completion Date.

      Your final, confirmed Completion Date will only be set once the property has been inspected and passed by the local authority and the NHBC. Our solicitor will write to your solicitor confirming this and, under the terms of the missives/sale agreement you have signed, the Completion Date will then be guaranteed.

  • Customer Choices and 'Options'
    • When will I be asked to choose the internal finishes for my new home?

      Within one week after conclusion of missives/exchange of contracts, you will be invited to come and make your Customer Choices and “Options”.

      As the build programme of your plot progresses there will be less opportunity to choose your “Options” extras; this is why we ask that you consider these at the earliest stages of purchase and why we give you a cut-off date by which to complete these. A full list of the “Options” available will be provided by your Sales Consultant. We regret that we are unable to offer items not included on the Options List.

      We would advise that you set aside at least two hours to complete your Customer Choices at our Sales Centre and we would suggest that you bring items from your old home with you to help you match your choices – kitchen accessories, bathroom towels, or if you are purchasing a “Platinum” home where we provide curtains and carpets, you may wish to bring along a cushion from your sofa or other items so you can make a good match.

      If you choose to have “Options” fitted then your Sales Consultant will complete the necessary paperwork and ask you to sign and date it. You will also be asked to pay for your “Options” when you request them. No “Options” will be ordered or fitted until payment has been made.

      If “Options” are not requested or paid for prior to the cut-off date then we will no longer be able to offer you this service.

      Any delay in choosing your Customer Choices will result in a delay in your anticipated Completion Date. We will send you reminder letters during this process, but if you fail to make your Customer Choices and your unfinished home is delaying the build sequence for the entire development, we will have no option but to make your Customer Choices for you and have them fitted to your home, to keep your home and the other homes on site on programme. The further into the build programme your home becomes, the opportunity to purchase certain Options diminishes (electrical items for instance).

    • I am arranging my own floor coverings for my new home. Will I be given access to fit these prior to my Completion Date?

      We can offer you access to have your own carpets and vinyl fitted prior to entry but this can only be done at certain times of the programme, if the sequence of build will allow. You should check with your Sales Consultant nearer to your Completion Date and they will advise if this service will be available to you. Please note that other flooring types cannot be accommodated.

      If we can offer you access prior to entry to fit your floor coverings, you will be required to sign an Indemnity Form and to put insurance in place to cover any damage to the property that may occur. We will require a letter from your solicitor to confirm that insurance cover is in place before any access is agreed to or given. The property will be inspected, in the presence of your contractor and our Site Manager, before and after fitting to confirm that no damage has been done. Your contractor will be required to undergo a Site Induction prior to being allowed on to site and to work within our Health & Safety and Site Rules and the fitting must be completed during our normal Site working hours (Mon - Wed 8.00am-4.30pm, Thurs 8.00am-4.15pm & Fri 8.00am-3.30pm). Access only will be given; no keys will be made available to you, or your contractor.

      If you decide to arrange your floor coverings, you will be required to satisfy yourself that the choice of flooring you have made will give the internal doors suitable clearance as Mactaggart & Mickel will not make adjustments to the doors for you.

      Unfortunately, we are unable to accommodate a request for your own ceramic floor tiling, laminate, wood, LVT etc. to be fitted prior to entry. Ceramic floor tiling from our on-site range and fitted by our own tiler during the course of your Customer Choice fit out is possible as these items can be programmed into the work schedule of the development.

      You can of course purchase these items from our “Options” service and everything will be fitted and quality checked by us prior to your Completion Date

    • Can I use the Indemnity Form to cover other areas of work, by my own contractors, within the house prior to entry?

      As part of our Mactaggart & Mickel Standards initiative we are striving for 0% defects in your new home and as a result it is our Company Policy that we do not allow contractors, other than our own, to work within your new home or garden prior to entry. There are also Health & Safety regulations that don’t allow this to happen.

  • Health and Safety on Site
    • Can I visit my new home while it is under construction?

      Over the next few months - or weeks depending on how far on in the build process your new home is – our skilled tradesmen will be very busy preparing your home for you and finishing it to your specified requirements.

      We appreciate that you will be excited at the prospect of owning a new Mactaggart & Mickel home and may wish to visit your property during the construction stage to see how things are moving along. However, we take Health & Safety on our developments very seriously and we are unable to accommodate spot visits to your plot as, in most cases, this involves gaining access behind the safety fencing which is a hard hat and safety boots zone.

      We can arrange for you to make an accompanied visit to your plot. Your Sales Consultant will advise you when the plot will be safe to visit, after consulting with site management, and prior to your visit you will be asked to carry out our Site Induction. Your Sales Consultant will accompany you on this visit along with the Site Manager or Health & Safety Manager. We will, however, require at least 48 hours' notice (sometimes longer depending on construction stage) of your request to visit.

      You will be required to wear a hard hat, hi-visibility vest and safety boots, which we will provide. You will also appreciate that these visits are not suitable for children of any age, and you would be required to visit without them.

      Please note that all visits are on a discretionary basis and it may not be possible to accommodate your visit due to it not being safe to do so on the day.

  • Quality
    • How can I be assured that my new home will be built to a high quality and standard?

      Mactaggart & Mickel work to a very strict quality control system and each stage of the build process is inspected by the site management team and “signed off” as part of our Mactaggart & Mickel Standards (our system of creating continuity, with excellence, in the construction process). As part of the NHBC Warranty, Mactaggart & Mickel provide a two-year builder’s warranty. During this two-year period you will have the opportunity to have any remedial items attended to (snagging items). Your Sales Consultant will be in regular contact after your Completion Date and will ensure that these items are attended to on your behalf.

      Shortly before your Completion Date, when your property is completed, your Sales Consultant and Site Manager give the house a final, detailed Mactaggart & Mickel Standards Quality Check to ensure that your new home will be in perfect condition for your Completion Date.

      Prior to your entry, the local authority Building Control Officer will also inspect your home and will check that it is ready for occupation. Your solicitor will be informed in writing by our solicitors that the home has passed its inspection and a copy of the Certificate of Completion/ Occupation, to be issued by Building Control to us, will be forwarded to your solicitor as soon as we receive it in due course.

      Your new home is NHBC registered and you will receive a full Ten Year Buildmark Cover. Buildmark is the insurance cover given by the NHBC on your newly-built home. Mactaggart & Mickel Homes Limited and Mactaggart & Mickel Homes England Limited are registered NHBC builders and we pay the cover premium on your behalf when we register your plot at the start of construction.

      The NHBC inspector will regularly visit the development and will inspect and “sign off” milestone stages of the construction. The Inspector will also visit prior to your anticipated Completion Date and check the home one final time and will issue a Buildmark Cover Note to confirm your home is complete and meets with NHBC Standards. A copy of the Buildmark Cover Note issued by the NHBC will be forwarded to your solicitor prior to your Completion Date.

      Once your new home has passed muster with the Sales Consultant, Site Manager, the Local Authority and NHBC it has its inspection from a Mactaggart & Mickel Homes Limited or Mactaggart & Mickel Homes England Limited Director or Senior Manager for a final Seal of Approval.

      Full details of the cover you receive and useful information on "running in" your new home can be found in the NHBC’s “Guide to Your New Home”, a copy of which will be found in the handover pack you will receive on your Completion Date. We would strongly advise you to read this at the earliest opportunity after your Completion Date.

      If you wish to read this NHBC booklet prior to your Date of Entry, please do not hesitate to ask your Sales Consultant for a copy of this booklet.

  • New Home Demonstration
    • Will I be allowed to inspect my home before the Completion Date?

      Once your plot has gone through its final Quality Checks, you will be given a New Home Demonstration by your Sales Consultant to familiarise you with your new home. You will be asked to watch a Homebuyer's DVD and then your Sales Consultant will demonstrate how each element of your new home is operated, i.e. how the central heating works and how the appliances are operated. Your Sales Consultant will also give advice on how to “run your new home in”. You will also be asked to verify the fittings and their quality - checking the kitchen, bathroom(s) and the window panes, all as per the NHBC's “A Consistent Approach to Finishes” guide as the benchmark.

      We ask that you set aside at least two hours for your New Home Demonstration as it is a vital stage of your new home purchase. New Home Demonstrations take place on a Monday, Thursday or Friday to allow us the opportunity to introduce the Site Manager to you.

      Due to the importance of the New Home Demonstration, we respectfully advise that only the homeowners will attend.

    • Do I need to arrange my own utilities (gas, electricity, water)?

      No! Mactaggart & Mickel will take care of your gas, electricity and water supply. The meters for gas and electricity will already be installed in your new home and we will complete all of the necessary paperwork on your behalf. The meter readings will be taken in your presence on your Completion Date and you will asked to confirm these by providing your signature.

      The utility companies should then bill you in the normal way. If you fail to receive a bill from them within the first quarter, please contact your Sales Consultant.

      There are telephone sockets in your new home but you will be required to contact your chosen telephone/internet provider to have the line connected once you have taken entry to your new home.

    • Who should I contact to determine when the refuse is collected and how do we go about ordering refuse and recycling bins?

      Your local authority will have specific collection dates for specific waste. We will print a calendar of their collection schedule and enclose this for you in your handover pack on your entry date. Further copies of the calendar can be found by visiting the local authority’s website.

      Bins should be placed at the side of the road for collection.

      Don’t worry about organising refuse or recycling bins; your Sales Consultant will have ordered these from the Local Authority and they will be delivered prior to your Date of Entry. Where the Local Authority charges a fee for new bins, Mactaggart & Mickel will have paid this fee for you. Please note however, that some local authorities do not allow us to order your bins for you in advance and you may be required to do this yourself. Your Sales Consultant will advise.

    • Who should I contact to determine the Council Tax Banding for my new home?

      Your Sales Consultant may already be aware of the Council Tax banding for your new home, but you should confirm this information by telephoning the Local Authority Council Tax Department

  • Private Gardens
    • How will my garden be completed?

      Your new garden will be finished in accordance with the approved Landscaping Plan for your development. Prior to construction we will have taken measures to strip away the top soil from the development while construction takes place. This top soil will be replaced as each new home is completed. We will have rotavated the garden area and prepared it according to the site specification (depending on the landscaping plan) by removing all builders’ rubble and waste and dressing the soil. This work is carried out in line with the guidance that the NHBC provides to us through the NHBC Standards. These NHBC Standards cover the area of garden which lies within 3 metres of your home. Under the NHBC Warranty and Standards we are not responsible for anything outwith 3 metres from your home.

      You should, however, bear in mind that for the last year or two the area now occupied by your new home has been part of an active building site and this, combined with the wetter weather we experience, can mean that your new garden may take a year or two to settle down and become established.

      To assist your new garden, especially lawns, with this settling in process you should take measures to ensure that the maximum care is given – feeding, cutting, raking and spiking - and that you are careful of how you use your garden. Ball games, swings, trampolines, football goals, to name a few, should be avoided until the grass is fully established – which can take up to 2 years.

      Above all, do not be alarmed if there is surface water after the rain. Your garden will take a while to settle down and your garden’s drainage will improve with time if you carry out the above points.

      The two website addresses below will help you on your way. You will also find invaluable information regarding planting your garden in your NHBC “Guide to your new home”.

      For more information, visit these websites:
      www.rhs.org.uk
      www.bbc.co.uk/gardening

  • Open Spaces & Play Areas
    • Who is responsible for the Open Spaces and Play Areas on the Development?

      A management company, factor or property manager will be appointed by us to maintain your open spaces and play areas, thus ensuring a high standard of landscaping is maintained. On the Completion Date, along with payment of the price (less your Reservation Fee/Deposit), if applicable, you will pay a management company/Factor's Fee (an initial float payment – our solicitors pay it to the management company/Factor in turn and the management company/Factor then issues regular invoices direct to you) to cover the care and maintenance of all common areas within the development. Play areas are usually not private to the development but are for the greater good of the community as per the Planning Conditions for the development.

    • Does buying a flat differ from buying a house with regard to management company/Factor’s fees?

      In Scotland you will still be liable to pay your share of the upkeep of common open spaces and play areas and, if your flat is in a building with an entrance shared by one or more flats, there will be a Factor appointed to maintain the common fabric of the building, attend to the maintenance and cleaning of the communal stairway and maintain the lift if there is one. This is usually the same Factor that is appointed to deal with the common open spaces, although there can be circumstances where different Factors are involved. The Factor will also attend to the bills received for the communal stair lighting. These charges will be split between all home owners within the building and invoiced to you by the Factor. A common buildings insurance policy will also be put in place to cover each home within the building. You should bear this in mind when arranging your mortgage and advise your solicitor. It will remain for you to arrange contents insurance cover.

      If your flat is in England, common parts of the building tend to be dealt with by a leasehold structure and your solicitor will explain this to you.

  • Winter Weather and Gritting
    • What happens during the winter weather?

      You should be aware that, as part of our duty of care to our employees, Mactaggart & Mickel will grit roads in our developments only if it is an active construction site during normal working hours (Mon-Fri). Although we are not obligated to do so, whilst it is an active construction site we will endeavour to provide grit and grit bins on our developments with un-adopted roads for our clients use during weekends and holidays

      If the road/s has been adopted by the council, it is the council’s responsibility to provide grit and grit bins.

      Once adopted it is unlikely that the Local Authority will grit your roads and pavements unless you are part of a main trunk road network. To confirm the Local Authority’s gritting policy, please visit their website for further information.

  • Completion Date
    • What happens when it is my completion date?

      On the Completion Date - which will be determined by the build programme, in conjunction with the dates that your solicitor concluded missives/exchanged contracts and the dates you have met while making your Customer Choices and Options – your solicitor will make an electronic transfer of the balance of the house price, less the Reservation Fee and any other agreed deductions, to our solicitor’s account. Once that balance has reached our solicitor’s account (and not when it leaves yours), the keys for your new home can then be released to you.

      You should make arrangements for your Sales Consultant to have a contact number for you on the day so that they may advise you when the settlement/completion has taken place and you can then arrange to proceed to the development, where they will be waiting to welcome you to your new home.

      As we are at the mercy of the banking system, we are unable to give you a specific time when your funds will clear. Please bear in mind that if you arrive with your furniture and personal effects prior to the settlement/completion taking place, you will not be allowed to enter your new home nor unpack or store any items in the house or garage.

      We can only release the keys to you once we have had official word from OUR solicitors that your funds have cleared into their account.

      For further information please refer to our leaflet “Handover Day Hints and Tips”. Your Sales Consultant will provide you with a copy on request.

  • After-Sales Care
    • What happens after I move in?

      You will immediately begin to enjoy a home of high quality in perfect condition.

      You will receive a welcome email from your Sales Consultant attaching a link to the Homebuyer's DVD. Please watch this DVD again and familiarise yourself with how to get the best out of your new home.

      If any remedial items or problems arise after you move in, please do not hesitate to contact your Sales Consultant. They are all fully trained in Customer Excellence and have a good grasp on the construction process. We would ask that you wait a few weeks and allow time to settle into your new home before reporting any remedials you may have, on the 28 Day Form provided, rather than drip feed them to us. This will allow us to arrange appointments more efficiently for you. All remedials will require inspection and your Sales Consultant will arrange this at your convenience. Any valid items requiring attention will be logged and works arranged. Remedial items will be dealt with quickly and efficiently by our team of skilled craftsmen and your Sales Consultant will contact you once they have completed the work to ensure that you are completely satisfied.

      You should be aware that a newly-built home is made up of several elements and that these elements, such as the timber, concrete, bricks and other materials used, will have absorbed moisture during the build process. Once your home is completed, it will begin to experience a drying-out process and this moisture will begin to evaporate slowly and will be ventilated away.

      This drying-out process will cause the timber and other building materials to shrink and you may experience small cracks (shrinkage) on walls, ceilings and timber finishes (stairs). These cracks have no structural significance and can be dealt with the next time you come to decorate your new home. Minor cracking is inevitable, so much so that we are not required to rectify it under the terms of the NHBC Buildmark Scheme. To keep these cracks to a minimum, keep your home at an even temperature (not too hot) and keep it well ventilated for the first few months.

      You can help keep remedial items to a minimum by following the NHBC’s and Mactaggart & Mickel’s advice for “running in your new home”.

      You will be contacted several times by your Sales Consultant over the two-year Mactaggart & Mickel Warranty period. You should, however, contact the Sales Consultant if you have any items that require urgent attention. Your Sales Consultant is your dedicated Customer Care agent and is responsible for your entire home purchasing and After Sales experience.

      Should your Sales Consultant move to another development you will still be contacted for a period of two years, either by the same consultant or another member of our trained Sales team. We will keep you informed if any change of contact details occurs.

      Once you have been in your property for eight weeks, the NHBC will send you an after sales questionnaire called a National New Homes Survey. You will be asked to answer a series of questions relating to your Mactaggart & Mickel home-buying experience. You are also given the opportunity to make additional comments if you wish. Your questionnaire is completely confidential, your details and your responses will be used by the Home Builders Federation (HBF) for their Star Rating Scheme. Mactaggart & Mickel will also use the anonymous data prepared by HBF to report their findings to ensure that our product and services are continually improving. In adherence to Data Protection law, Mactaggart & Mickel will not pass your details to any third party or company except for the purpose of processing the sale and the provision of our after-sales service and warranty. Full details are in our Privacy Policy, a copy of which is provided to you at Reservation.

      Please remember that we are here to assist you through your Home Purchase experience and do not hesitate to ask for any additional assistance you may require.

      These questions are not intended to form part of any contract, nor does it form part of any contract.

      Assuring you of our best attentions at all times.