Information and advice for:

• Existing YBS customers, moving home
• New customers, currently with another lender, moving home

Useful links

Buying your home

• Find an estate agent
  To find an estate agent try www.zoopla.co.uk
• Find a home online
  If you'd like to look for a home online, both www.home.co.uk and www.findaproperty.com are useful sites.
• Check out prices, local services, facts and figures
  It's also good to get to know the area before you make a commitment to buy. By entering a postcode on www.upmystreet.co.uk you can discover local services and shops, examine property prices, nearby schools and also the record of the local council.

Selling your home

• Find an Estate Agent
  If you are going to use an estate agent you will need to allow for their fees, which, depending on the service offered, could be 1 - 3% of the value of your home. To find an estate agent in your area, again try www.propertyfinder.com
• Sell your home yourself
  You may be thinking of selling your home yourself. There are numerous sites offering this type of service, some good some bad, so make sure you seek advice before you place an advertisement. Two sites worth checking are Be the middleman and Tepilo.com
• Tips for selling your home
  Before you let any potential buyers view your home, it is worth thinking about setting the right atmosphere. Keeping things clean and tidy is just the start, so why not visit www.handbag.com/property selling to find out their top 10 tips for selling your home.

Planning your move

• Planning
  With so much to think about, planning your move is never easy. Try the sophisticated planner on goodmigrations.com or the useful checklist at www.pickfords.co.uk
• Informing people
  Once your move is confirmed you'll need to tell your family, friends and contacts your new address. Try the free online service for telling companies and organisations about your move offered by www.ihavemoved.com

House Purchase Legal service

Fee Assisted Legal Service

We will pay the legal fee as agreed with Optima Legal to act on your behalf and on behalf of the Society in connection with your house purchase and mortgage. This fee does do not cover any disbursements such as search fees, Land Registry fees and stamp duty land tax, which may be applicable. There will also be a CHAPS fee (Telegraphic Transfer Fee) payable for the funds to be sent to Optima  Legal and there may be other administrative fees or CHAPS fees for which you'll be responsible.

Please note that the fee we will pay Optima Legal is for dealing with a straightforward purchase of a registered freehold (in Scotland heritable) or leasehold property and as such does not include fees due for any additional services e.g. work required in connection with leasehold properties such as any notice fee payable to the Landlord or costs of first registration. Please note that the examples given are not the only additional services which may be needed and which will be payable by you, as a result of your application.

This legal service only applies for applications made directly to the Society, and is not available for applications made via an intermediary or other third party. Optima Legal must be used for this legal service (and you must qualify for the mortgage product).

If you use this service and your purchase and mortgage does not complete, then any reasonable costs or fees which Optima Legal has incurred will be payable by you.

Please note that for properties in Northern Ireland the above Fee Assisted Legal Service is provided by Wilson Nesbitt.