We are your trusted partner in Isle of Wight Property Buying and Mortgage Solutions

These are the services and benefits you’ll enjoy if you decide to work with us.

We will:

  • Bring to the party all our local knowledge of the area you’re planning to move to.

  • Spend time understanding what you’re looking for and why.

  • Search the market for properties that meet your needs and tastes.

  • Track down properties that may be available even if they’re not on the market.

  • Spot properties whose particulars don’t do them justice.

  • Research both the vendor and the property to ensure they are in the strongest position they can be to negotiate the best price and terms on your behalf.

    This can include:

    • Assessing the value of the property (not just believing the asking price).

    • Assessing the situation of the vendor to establish what they might be willing to accept.

    • Considering other aspects of the local area to ensure you’re buying a property will continue to meet your needs in the future.

    • Negotiate the best price and terms on your behalf.

    • Guarantee to save you money well in excess of our fee.

    • Oversee the entire purchase process.

    • Save you significant time and worry.

    • Liaise with surveyors, solicitors, planners, removals companies etc. and iron out any problems on your behalf.

    • Be there even when you’ve completed to answer questions and hand you the keys!

“I wouldn’t hesitate in recommending David’s services. He managed to negotiate £25,000 off of the purchase price of my now family home in 2018. Since then he’s remained a constant presence in my life, providing balanced and reliable advice and someone I now call a friend.”

— Sam Pentney

Financial Solutions

At Coates Property & Financial Solutions, we understand that navigating the financial landscape is crucial when purchasing property on the Isle of Wight. With over 70 years of combined experience, our expert team is dedicated to providing tailored financial solutions that empower you to make informed decisions. Whether you're a first-time buyer or looking to expand your property portfolio, we are here to guide you every step of the way.

Mortgages and Remortgages

Tailored Mortgages and Remortgages to Fit Your Needs

Securing the right mortgage is essential for a successful property purchase. Our team specialises in finding the best mortgage solutions tailored to your financial situation. Whether you’re looking to buy your first home or remortgage an existing property, we provide expert advice and access to a wide range of lenders. Let us help you navigate the complexities of mortgage options to find the perfect fit for your needs.

Equity Release Solutions

Unlock Your Home's Value with Equity Release

If you're a homeowner looking to access the equity in your property, our equity release solutions can provide you with the financial flexibility you need. Whether it’s funding a holiday home purchase or supplementing your retirement income, we offer personalized equity release plans that align with your long-term goals. Our advisors will guide you through the process, ensuring you understand all your options.

Holiday Home Purchase Financing

Financing Your Dream Holiday Home on the Isle of Wight

The Isle of Wight is a perfect location for a holiday home, and our financial solutions can help make that dream a reality. We offer bespoke financing options tailored for holiday home purchases, ensuring you can enjoy your getaway without financial stress. Our team will assist you in exploring all available options, including mortgages specifically designed for second homes.

Buy to Let and Let to Buy Solutions

Invest Smartly with Buy to Let and Let to Buy Solutions 

Investing in property can be a lucrative venture, and our buy to let and let to buy solutions are designed to help you maximise your investment potential. Whether you're looking to purchase a property to rent out or transitioning from your current home to a rental property, our expert advisors will provide you with tailored financial strategies that align with your investment goals. Let us help you navigate the property market with confidence.

FAQs

  • Each individual property search produces different results based on various factors, including current market conditions, specific budgets, diverse property types, and preferred locations. The primary goal of a property finder is to assist clients in saving money throughout the purchasing process. This is primarily accomplished by negotiating the best possible purchase price on their behalf, but potential savings can also be realized through several other methods. For instance, a skilled property finder helps clients avoid wasting valuable time and incurring unnecessary travel costs by efficiently filtering out unsuitable properties that do not meet their criteria. Additionally, thorough research into each potential property can help prevent unexpected issues and further reduce extra transaction-related costs that might arise.

  • 1. Property Search

    One of the most time-consuming aspects of buying a home is finding the right property. A buyer’s estate agent will tap into their network, search listings, and often access properties that aren’t publicly available. They’ll narrow down options based on your budget, preferences, and specific needs, saving you time and energy.

    2. Negotiation

    Once you’ve found a property you like, the next step is negotiating the price. A buyer’s agent is well-versed in the art of negotiation and will work to secure the best deal possible for you. They have experience in understanding market values, so they can determine if a property is priced fairly or if there’s room to negotiate.

    3. Market Insights

    A buyer’s agent has access to in-depth market data that can give you a competitive edge. They can provide insights on the local real estate market, future growth potential of certain neighbourhoods, and even advise you on the long-term value of a property.

    4. Legal and Administrative Support

    The paperwork and legal requirements involved in purchasing a home can be daunting. A buyer’s agent will guide you through the process, ensuring that all documents are completed correctly and on time. They’ll also help you coordinate with solicitors, surveyors, and other professionals involved in the transaction.

    5. Property Inspections and Due Diligence

    A skilled buyer’s agent will help you assess the condition of a property by recommending reputable surveyors and inspectors. They’ll make sure that you’re aware of any potential issues, such as structural problems or required repairs, before you commit to the purchase.

  • 1. Time and Effort Savings  

    Buying a home requires extensive research and viewing properties. A buyer’s agent does the legwork for you, presenting only the properties that fit your criteria. This eliminates the need to sift through countless listings, making the process faster and more efficient.

    2. Expert Guidance  

    A buyer’s estate agent brings their expertise to the table, helping you make informed decisions every step of the way. From advising on neighbourhoods to suggesting realistic price points, they’re there to ensure you’re making a sound investment.

    3. Access to Off-Market Properties  

    In competitive real estate markets, properties often sell before they even hit the public listings. Buyer’s agents often have access to off-market properties or early listings that haven’t been publicly advertised, giving you an advantage over other buyers.

    4. Negotiation Power  

    With a buyer’s agent representing you, you benefit from their negotiation skills. They’ll advocate for your best interests, aiming to secure the lowest possible price, request necessary repairs, or negotiate favorable terms.

    5. Stress Reduction  

    Purchasing property can be stressful, but a buyer’s estate agent can alleviate much of that pressure. They handle the details, manage timelines, and communicate with all parties involved, giving you peace of mind and freeing up your time to focus on other aspects of your move.

    6. Legal and Financial Protection  

    The process of buying a home involves a significant financial commitment and legal implications. A buyer’s agent can help you navigate these complexities, ensuring you avoid costly mistakes or overlooked legal issues.

  • People often falsely believe that an estate agent is a relatively neutral party in the house buying process, but that’s actually not the case. Their client is the person who pays them, the seller, and their primary interest is to secure a sale for the highest price they can.

    A buying agent like Coates Property and Financial, on the other hand, solely represents the buyer. So when it comes to such a substantial purchase as a property, having someone working on your behalf makes sense.

  • Hiring a Buyer’s Estate Agent is an investment in peace of mind, efficiency, and expert guidance. Whether you’re a first-time buyer or an experienced investor, their knowledge and support can make a significant difference in the outcome of your property search. With their help, you can avoid common pitfalls, secure a better deal, and find the property that truly meets your needs. So, if you’re looking to buy a home, consider partnering with a buyer’s agent — it could be the smartest decision you make in your real estate journey.

    Unlike a traditional Estate Agent who is paid by and works for the seller, a Buyers agent works for the buyer.

    We source on and off market properties for you  and then shortlist and view on your behalf where we take a video of the property for you and honest comments relating to area amenities etc...

    Then we negotiate on your behalf using our experience and knowledge gained from 35 years Estate Agency Experience.

    We can also arrange short term rentals for you to link  up chain if needs be and independently advise on solicitors, mortgage, survey and any services required.

    So we work for you and save you time and money or we guarantee not to charge you a penny.

Ready to start your journey with us?