To list your item simply click on the “Sell” link found on the
header navigational bar. The listing process is split up into several
main sections, notably:-
Category selection
Item Details
Auction Settings
Shipping and Payment
Listing preview
Listing confirmation
The listing process is developed in such a way that you are guided through every step seamlessly.
The first part of the process is to choose the category you wish to
list your item in, this can be revised at any time by using the
“Previous Step” navigation button.
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Step two enables you to enter your item title and description, a
full wysiwyg editor is in place to enable you to use HTML descriptions.
If you have a voucher code to redeem this can be entered just below the description field.
Moving on to step three, this is the biggest stage of the listing process. On this step you can set the following:-
· Auction type:-
Standard Auction
This is a single quantity auction
Dutch Auction
Dutch auction enables you to list a multiple quantity auction, for
example if you have 100 pens to sell you can list all of these together
in a single lot. Bidders will be able to select how many they wish to
bid for.
· Currency:-
You can select your preferred auction currency using the drop down menu available
· Quantity:-
This field is only active if listing a Dutch auction, please see above for an explanation of this listing type
· Auction Starts At:-
This requires you to enter the minimum bid you are willing to
accept, you can also set a reserve price to ensure you do not sell the
item for this amount. Please see below for more information on this.
· Reserve Price:-
Enabling a reserve price affectively means you will not sell the
item for less than the amount set, for example you can set the start
price at 5.00 but only accept winning bids over 50.00, should a bid be
placed for 49.99 the item will close without a winner.
· Buy out (if available):-
Buy out allows you to set an amount you are willing to sell the item
for – straight out. For example you can set the start price to 10.00
but offer interested parties the option to buy the item immediately for
100.00.
You can also list buy out only auctions, these auctions remove all
bidding options meaning the listing can only be purchased for a set
amount. To set a buy out only auction you need to set the buy out value
to be exactly equal with the start bid.
· Offer-Range (if available):-
You can set a price bracket in which you are willing to listing to
offer, for example if you set the price brackets from 15.00 to 100.00
interested parties will be able to offer you an amount within these
brackets, you can opt whether to accept or decline these offers at any
time via the members area.
· Bid increment:-
This option can be used to set your own custom bid increment if preferred.
· Item featuring (if available):-
The following options are available to you (fees may apply), these
will highlight your item on site to ensure they reach more visitors:-
§ Home page featured
§ Category featured
§ Bold text
§ Highlighted background
· Set start/end time:-
You can either opt to list your item right away and set a defined
number of days for it to be live for or you also have the option to
define your own custom start/end time.
· Private Auction:-
Private auction will hide the bidders identity on the item details page
· Image upload:-
To accompany your item you can either upload images from your local computer or enter the URL of an image(s) hosted elsewhere
· Media upload:-
In addition to images you can also upload media files, please note only .avi/.mpeg/.mov are supported.
· Auto Re-List
For convenience you can opt to have your items automatically
re-listed for you, options are available to allow you to select whether
the item should be re-listed if sold and how many re-list attempts
should be made.
On the next step you can set your shipping and payment preferences
including your shipping rates and available methods of delivery.
Proceeding on, you can then review the listing and make changes if
required, please note you can still edit your listing once live via the
members area.
The final step provides you with listing confirmation.
The auction watch features notifies you of newly listed auctions which contain keywords you have chosen. For example if you are looking for a new Detached House you could enter in those keywords from within your members area area. Each time a new auction is listed containing those keywords you will be notified via email.
The item watch features lets you keep a close eye on any auction without having to place a bid on it. This feature means you can be kept up to date on how an auction is doing and prepares you to place a winning last minute bid. You can watch any auction by clicking on the “Watch this item” link on any auction page.
If the option is available you can use “Buy Out” to purchase the item immediately without having to place a bid.Some sellers offer such an option which can be used at any time until a bid has been placed over any applicable reserve price.
The “Buy Out” option will appear on the item details page, you will be asked to confirm your intention to buy out the item before the sale is concluded.Buy out’s cannot be retracted.
To create your account choose the “Register” link on the header navigational bar or use any of the links available on the home page.
When registering you will be asked to complete a short form which includes standard information such as your contact details, preferred login credentials etc.
Mandatory fields include:-
·Name
·City
·State/Province/county
·Zip/Post Code
·Phone Number
·Birthday
·Username & Password
·E-Mail address
·Confirmation of terms an conditions acceptance
Once registered you will receive E-Mail confirmation.
Should you encounter any registration difficulties please contact us.
Placing a bid on an item you are interested in couldn’t be easier, when viewing the item details page you will have two areas from where you can place your bid, one next to the item details and a second at the bottom of the page.
To place your bid simply enter the amount you wish to bid e.g. 50.00. Please note no currency symbols are required.The bid will be placed in the auction currency.
Once done you will be asked to review your bid and you will also be able to view vital item details such as the shipping conditions before confirming your bid.To submit your bid simply press the “Place Bid” button.
If your bid is high enough to take the lead in the auction a confirmation message will be displayed to you, however if your bid has not taken the lead be it due to a higher proxy bid or not meeting the reserve price you will be invited to make a further bid.
Should you decide to retract your bid this can be done via the “Current Bids” section of the member’s area.
You can also place a proxy bid, proxy bidding allows you to place your “High Bid”.At all times you will only pay the lowest required bid should you win the auction.For example, if the current bid on an auction is 500.00 you can place a proxy bid of 2,000.Should you remain the only bidder you will only pay 500.00.However should the item receive other bids the site will automatically re-bid for you (upto 2,000 in this scenario) to ensure you remain in the lead.
What you can afford No doubt you want a perfect home in the perfect location, but it's important to understand what you can compromise and afford.
Make a list of must-have's, like-to-have's and what is not so important. Things to consider include:
How close do you want to be to friends, family, work, shops, school, public transport and parks?
How big a place do you need, number of bedrooms, number of bathrooms, play room, study, a section for the kids and/or pets?
Is a view important?
Do you want a private, quiet or secluded home?
Do you need a garage/carport – if so, for how many cars?
Is all day sun important?
Do you want a low maintenance property and/or garden?
Are you prepared to renovate?
Arranging Finance There are many financial institutions that offer home finance, such as a bank or building society.
Often you can get an indication from them in advance as to the value of property you can finance based on your deposit, your income and what you are buying. Apartments often require higher deposits, for example. You will need to supply salary details, the value of your other assets, the details of other debt commitments, etc, for them to tell you what they can loan you.
Buying Privately This process involves dealing directly with the seller or their Solicitor. It is very important to use your Solicitor at each step, and to pay your deposit to your Solicitor so they can arrange for it to be held safely in a trust account.
Buying at Auction (not the DIYmoveIT sort of auction) This process involves the seller setting a reserve price (the lowest price they will sell for). Only the auctioneer knows this. If the highest bid is over the reserve, the property will be sold. If the reserve is not reached, the home is 'passed in'. It may however, sell by negotiation straight after the auction, and if you are highest bidder, you have first chance to negotiate.
When you buy at auction it is unconditional, so you need to have everything sorted out first and you need to be absolutely sure that the property is the place that you want.
Before the auction you should:
Register your interest with the agent
Talk things over with your Solicitor, and ask them to do all their checks, such as property title
Get a copy of the auction contract
Arrange your finance
Get a valuation
Any other information or report that you need done
Decide on your top price
You will also need to make sure that you have money ready to pay a deposit to the auctioneer on the day if you are successful. This is normally 10% of the sale price.
Buying by tender With a tender you make a written bid for the property. It needs to be your best offer, particularly in the case of a competitive closed tender.
The seller looks at all the offers together and may accept the highest bid or negotiate with the person whose offer they like the best.
You may have to include a deposit when you put your offer forward. This deposit is refundable if your bid is not successful. If your offer is accepted you are from that point on committed to purchasing the property, and have a set amount of time to meet all the sale conditions.
You can contact the owner, if a private sale, or the estate agent to arrange a convenient time to view the property.
When viewing the property keep in mind those important features that you have determined are must haves to help you decide if the property fits your requirements. Also some things to be aware of include:
Sufficient storage
Level floors and sound piling
Good water pressure
Insulation
Chattels that are to remain
Traffic, aeroplane or industrial noise
Noisy or troublesome neighbours
House movement (look for cracked window sills or walls)
Leaking roof (look for stains on wallpaper or ceilings, check in access space above ceilings and look for rust or light coming through holes in the roofing)
Dampness (smell and/or mildew)
Heating – what options are available?
Electrical wiring – check the meter box for old or worn wiring
Security – is there an alarm, safety catches on the windows, etc?
Take a walk around the block and get a feel for the neighbourhood
Visit the property at different times of the day to determine when the property receives its first and last sun
Questions that you can ask the seller or real estate agent include:
Why are the owners selling?
How long has the property been on the market?
How much interest has there been in the property?
What Rate Band is the property in?
How much are the rates?
What have other places nearby sold for?
Are there any major development plans for the area?
What type of title does the property have?
Are there any covenants (restrictions) or easements (rights)?
Are there any protection orders over the trees or buildings?
Where are the boundaries?
Have there been any recent alterations, and if so, do they have permissions/building regs etc along with certificates?
Remember a home is a large investment so revisit the property as often as you need to and ask as many questions as required to ensure that you are happy with your decision whether to purchase or not.
We strongly recommend that you get your Solicitor (or lawyer) involved as early as possible.
Your Solicitor will:
Deal with the Sale and Purchase Agreement. This is the legal contract between the buyer and seller. Make sure you read the contract and understand the 'fine print'.
Deal with the seller's Solicitor. Your Solicitor will ensure all of the conditions relating to the sale have been met.
Advise you on any legal issues
Manage the possession and settlement process. Your Solicitor should manage the exchange of money and keys, as agreed between you and the seller.
Assist you in establishing your mortgage. Your Solicitor will assist you with your bank in arranging any mortgage that you may require on the property.
Send notice to the local authority. Your Solicitor will advise your council of the change of ownership. Also the Solicitor will arrange for the apportionment of local rates charges between the buyer and seller.
Make sure that your chosen Solicitor has plenty of experience with conveyancing transactions. If they don't, keep looking.
Check the following with your Solicitor:
Their availability -particularly if you are buying your house over the Christmas/New Year period.
Check who their back-up is if they are away.
A Solicitor should be involved in buying your house whether you are buying it privately or through an agent. The Solicitor will likely cost between £350 and £600 for the entire process.
Obtaining a valuation Getting a valuation report done by a registered valuer will give you a good feel for the 'market value' of the property, as well as some useful information about the property. Your lender will probably want you to get one completed and could recommend someone.
Builder's Report Getting a building consultant's report is always a good idea. It will tell you if there are any potential problems or defects, and how much maintenance work you might have to budget for.
Your bank or solicitor may have someone they can recommend, or contact the National Federation of Builders (NFB) for information.
Damp & Timber Report You can apply for a D&T report from any Damp Proofing specialists and most will not charge a fee for this service the main reason being that eventually if any work does need to be carried out.. they can eventually secure the business with you.
Electrical Report These can be obtained from a number of sources but may cost so word of mouth referalls may be the better option but a good place to start woul be the yellow pages or try the services section on DIYmoveIT
Engineer's Report You may want to check for structural damege a good place to start would be Local Surveyors Direct.
The Sale and Purchase Agreement The sale and purchase agreement outlines your offer, the date of settlement, and any conditions that must be met before the sale goes ahead. The agreement is prepared by the estate agent, if one is involved, or by your solicitor in the case of a private sale. In both cases you should discuss the terms and conditions outlined in the agreement with your solicitor before you sign it.
Unconditional Offer This is an outright offer to buy the property. You should be 100% certain that this is the property you want, and that you have access to the money to buy the property. Once the seller has accepted your offer you are legally obliged to go through with the sale. To be able to do this you should have your finance already confirmed. You can talk to all the major lenders about a pre-approved mortgage.
Conditional Offer A conditional offer is also a binding contract; provided that all of your conditions are met. You can only back out if one or more of your conditions are not satisfied. Talk to your solicitor about the conditions you should include. Common conditions include:
Subject to title search – your solicitor will do this for you. This means that the sale will only go ahead if there are no ownership, access or other claims recorded on the property title.
Subject to valuation – this means that the sale will go through if the valuation is acceptable to you and your financial institution if one is involved.
Subject to finance – this means that the sale will go ahead if your financial institution approves your finance.
Subject to a builder's or engineer's report: This means the sale will only go ahead if you are satisfied that the house or land it is on are sound.
You may wish to set other conditions. For example, subject to certain repairs being carried out. Talk to your solicitor about anything you are unhappy or unsure about. Don't sign your sale and purchase agreement until you are happy with the conditions.
Negotiation, acceptance and deposit The vendor may accept your offer straight away or may negotiate on the price or other aspects of the sale. The estate agent, if one is involved, will act as the "go-between" until you and the vendor reach a happy medium. In a private sale you will need to do this negotiation yourself or rely on your solicitor. If you cannot agree on a price you can withdraw your offer. Remember that if there are any changes to the sale and purchase agreement, you should let your solicitor know before you sign. Once both you and the seller have signed the agreement it is legally binding.
You will normally be expected to pay all or part (10%) of your deposit directly to the estate agent or to the seller's solicitor on signing the agreement. The deposit will be placed in a trust account until all conditions relating to the sale and purchase have been met.
The sale and purchase agreement will state the amount of time you have to settle the conditions. When all conditions are met, the offer becomes unconditional, the sale will go ahead and the property will be yours.
DIYmoveIT Property is the away to market your property with a choice between using an agent or doing it yourself. And at £100
(until sold) it's also the best value promotion you'll find.
We support agents and individuals equally. If you're using an estate agent
we can have the property automatically uploaded from your agent's office to DIYmoveIT. Or you can simply list it yourself
*
DIYmoveIT.
Agency listings welcome
We are happy to work closely
with most major estate companies and listing software providers We can take a feed from your office and charge
you a flat monthly rental to allow all your properties to be displayed on the UKs newest website. If you're an agent and want to know more please contact us.
Auction or classified?
Classifieds work best for most properties. DIYmoveIT Auctions for property
are NOT legally binding. A signed contract is required by law in England.
If you do run an auction, you will need to negotiate with the winning bidder.
Auctions or classifieds both cost £100
(until sold). No other fees apply.
Nice photos and rich descriptions
Before listing, ensure you have up to 20 photos on hand. We give you plenty of
space to write a lengthy description so prepare it in advance. If you don't
have an agent, you may wish to draft your description and get feedback from a
few friends.
Getting started...
Once you've got the necessary information together (including your digital
photographs), just click Sell at the top of any page, or click the link below. Good luck.
Who will sell your house - the options You can either choose to sell your property with the assistance of a professional estate agent or on your own, privately. It is estimated that over 90% of property sales in the UK are conducted with the assistance of a registered estate agent.
The benefits of utilising the expertise of a qualified estate agent over selling privately include:
requires less time and effort on your behalf as the agent is reasonable for many of the tasks required to sell your property
an agent will have specialised knowledge of the property in your area and the likely price you could expect from the sale
the agent will be able to offer various marketing options for your property, including a listing on DIYmoveIT
it can be less stressful during the negotiation process as the agent acts as a buffer between you and the buyer.
The main benefit of selling your property privately is:
to save the commission fee paid to the real estate agent for the services that they can perform on your behalf. This is typically around 1.5% of the sale price of your home, although it can be less for more expensive properties.
DIYmoveIT lets you list privately or list your agent's details alongside your listing so they receive all the enquiries. We also actively encourage estate agents to list properties on their vendor's behalf. If you are selling through an agent, do a quick site search through DIYmoveIT first to make sure your property isn't already listed.
Please note that by law, you can only sell your own home. Selling somebody else's property for a fee would require you to be a licensed salesperson and work as an estate agent.
Choosing an agent It is important that you choose an agent that you feel comfortable with. They will be spending a lot of time in your home. They will be responsible for looking after your possessions, representing you in negotiations and working closely with you. Before you call just any agent it pays to do some research. Talk to friends, family, workmates, your lawyer, your financial advisor to find out if they recommend a particular agent. Hopefully one that they have had success with in the past.
Sole Agency vs. Multiple Agency
Sole Agency
Where only one agent has the authority to sell the property. This does not
affect the owner's right to sell privately.
Multiple Agency
A situation where two or more agents are acting for the vendor. The agent who
introduces a successful purchaser is the only one paid. See also 'JOINT SOLE
AGENCY' .
Interviewing the agent Once you have determined which agent has the most potential then meet with them to discuss your requirements. Make no mistake – you are interviewing them! If they want your business and are the right person to sell your property, you should be able to tell. Examples of questions to ask include:
How many properties in your area have they sold?
How many salespeople in their office?
How much experience have they got?
What do they know about the principles of negotiation?
What internet marketing will you do? (Tip: If they are not going to put you on DIYmoveIT)
Negotiating the fee Utilising the services of a estate agent can be expensive. You should look to negotiate the fee up front. Money saved here is money you keep. Remember that VAT is often additional.
However, don't choose an agent on their commission rate alone. An agent that can negotiate an extra £5,000 to £10,000 is well worth their fee.
We strongly recommend that you get your lawyer (or solicitor) involved as early as possible.
Your solicitor will:
Advise you on any relevant legal issues.
Deal with the Sale and Purchase Agreement. This is the legal contract between buyer and seller. Make sure you read the contract and understand the 'fine print'.
Deal with the buyer's solicitor. Your solicitor will ensure all of the conditions relating to the sale have been met.
Manage the possession and settlement process. Your solicitor should manage the exchange of money and keys, as agreed between you and the buyer.
Assist you in paying off your mortgage. When you sell your house, you will need to pay off (or discharge) any mortgage that you may have on the property.
Send notice to the local authority. This will advise your council of the change of ownership. Also the solicitor will arrange for the apportionment of local rates charges between the buyer and seller.
Make sure that your chosen solicitor has plenty of experience with conveyancing transactions.
Check the following with your solicitor:
Their availability - particularly if you are selling your house over the Christmas/ New Year period.
Check who their back-up is if they are away.
A solicitor should be involved in selling your house whether you are selling it privately or through an agent. The solicitor will likely cost between £350 and £450 for the entire process however a quote should be obtained first.
There are a number of different methods that you can use to sell your property.
Open tender Buyers make offers in writing. There is no particular deadline and the property can sell anytime.
Closed tender Buyers make offers in writing. Bids must be in before a defined date.
Traditional Auction Public sale of your property to the highest bidder, over your reserve price, on the day. If the reserve price isn't reached, the home is 'passed in'. It may however, sell by negotiation straight after the auction as there is often negotiation with the highest bidder.
Fixed Price Marketing of your property for a stated price.
If you are using a real estate agent you will want to determine the best method with them.
The following should help you arrive at a price for your home:
Talk to your estate agent. Most estate agent's offer a 'free appraisal' service. Ask the agent to provide you with previous sale information from their database.
Use your online resources The Internet is a great way nowadays to glean information about surrounding properties
Get a registered valuation. This typically costs anything between £350 and £500 and can be a great bargaining chip later on with potential buyers. The registered valuation takes into account the sale price of other properties in the area and the chattels. Your bank can usually help to recommend a valuer in your area.
To get a quick idea of the current value of your property Mouseprice.com offers an instant market estimate for residential property
Your asking price should not be too high or too low as it may put-off potential buyers. You should probably think of a price range with the minimum price you would accept ranging to what you would consider a good price.
If you don't have time to get your home in good condition for sale, you should consider paying someone to do it for you. There are a bunch of professional companies that can do this for you. Try the Yellow Pages.
Be careful spending large amounts of money making home improvements before you sell. Major renovations may make your home more saleable but not necessarily more valuable. Cosmetic improvements, if they have the potential to increase the value of your property, are recommended.
The list below includes some examples of things you can do to make your property more attractive to buyers:
Clean your oven and kitchen thoroughly. People who like to cook, in particular, will notice if the kitchen is not well cleaned.
Ensure you have all the knobs for your appliances and that they work.
Tidy the pantry and cupboards. Potential buyers are renowned for opening them when they are at their worst.
Get rid of clutter.
Clean your fireplace and set it up (with pinecones, perhaps) for a fire.
Make sure the doors are not sticky or jammed.
Clean the windows inside and out.
Wash and polish the floors.
Replace any light bulbs that don't work.
Repair dripping taps.
Wash the walls inside and out.
Sweep or water-blast the path and driveway.
Clean your furniture.
Get your letterbox and front fence in tip-top condition. This is the first thing the buyer will see.
Clear the gutters.
Tidy up the garage.
Sell all your unwanted stuff on DIYmoveIT
Things to do when potential buyers come over:
Put fresh towels in the bathroom and on the made-up beds
Clean the showers and bath and toilet
Open some windows and air the house out. This is particularly important if there are smokers in your house
Heat the house to a nice temperature
Place flowerpots around the front door
Get rid of any pet-stuff, including litter trays or bowls. Hide your dog. Some people don't like pets as much as you do
Mow the lawns
Make the place smell nice. Fresh flowers, grind some coffee beans or use some air fresher
The key to a great listing is deciding on your key "selling points". These are the teasers that will get your potential buyers interested. Examples include:
Great entertaining space!
Amazing views across the bay!
Great play area!
Fantastic potential!
Good investment property!
All day sun
Write down all your key selling points and select between 3 and 5 of them to use as your primary messages.
Your title should include both the location and the main selling point for your property. For example:
Outskirts of Leeds, 4-bedrooms, with Great Entertaining Space
You should cover all the key features of your home, the things that you love about your home. Include a bit of story-telling (e.g. wake up to the smell of coffee and the sound of birds in the trees…). Make sure you complete all of the areas of your listing – the more detail you provide, the better.
Take some time in preparing your DIYmoveIT listing – perhaps in your Word processor first. Get it right and then copy-and-paste it into your DIYmoveIT listing when you are ready and have some sexy photos ready to go with your copy.
Dont forget to include the all important video clip
Make sure your DIYmoveIT listing includes information about how you will be accepting offers (via an agent, formally through your solicitor or informally) as this will help potential buyers.
Note DIYmoveIT do not arrange solicitors it is therefore the responsibility of each party to instruct a solicitor once a sale has been agreed
The Sale and Purchase Agreement The sale and purchase agreement outlines the buyers offer, the date of settlement, and any conditions that must be met before the sale goes ahead. The agreement is prepared by the real estate agent, if one is involved, or by the buyer's solicitor in the case of a private sale. In both cases you should discuss the terms and conditions outlined in the agreement with your solicitor before you sign it.
Unconditional Offer This is an outright offer to buy your property. You should be 100% certain before you accept the offer, as once you have accepted you will be legally obliged to go through with the sale.
Conditional Offer A conditional offer is also a binding contract; provided that all of the buyer's conditions are met. The buyer can only back out if one or more of their conditions are not satisfied. Common conditions include:
Subject to title search – this means that the sale will only go ahead if there are no ownership, access or other claims recorded on the property title.
Subject to valuation – this means that the sale will go through if the valuation is acceptable to the buyer and their financial institution if one is involved.
Subject to finance – this means that the sale will go ahead if the buyer's financial institution approves buyer's finance requirement.
Subject to Contract
Subject to a builder's or engineer's report - this means the sale will only go ahead if the buyer is satisfied that the house or land it is on are sound.
The buyer may wish to set other conditions. For example, subject to certain repairs being carried out. Talk to your solicitor about anything you are unhappy or unsure about. Don't sign the sale and purchase agreement until you understand and are happy with the conditions.
Negotiation, acceptance and deposit You may accept an offer straight away or may negotiate on the price or other aspects of the sale. Your real estate agent, if one is involved, will act as the "go-between" until you and the buyer reach a happy medium. In a private sale you will need to do this negotiation yourself or rely on your solicitor. If you cannot agree on a price you can withdraw from the negotiation process. Remember that if there are any changes to the sale and purchase agreement, you should let your solicitor know before you sign. Once both you and the buyer have signed the agreement it becomes legally binding.
Once the agreement is signed by both parties the buyer will normally be expected to a deposit, usually between 5-10% directly to the real estate agent or to your solicitor. The deposit will be placed in a client trust account until all conditions have been met.
Settling your conditions The sale and purchase agreement will state the amount of time the parties have to settle the conditions. When all conditions are met, the offer becomes unconditional, the sale will go ahead and the property will be sold.
Please remember throughout the process... auction is a term widely used and that initially you are not auctioning your property but listing it for sale. therefore some references to auction will not apply to your listing of a property for sale
To list your item simply click on the “Sell” link found on the
header navigational bar. The listing process is split up into several
main sections, notably:-
Category selection
Item Details
Auction Settings
Shipping and Payment
Listing preview
Listing confirmation
The listing process is developed in such a way that you are guided through every step seamlessly.
The first part of the process is to choose the category you wish to
list your property in (in our case property), this can be revised at any time by using the
“Previous Step” navigation button.
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Step two enables you to enter your item title and description, a
full wysiwyg editor is in place to enable you to use HTML descriptions.
If you have a voucher code to redeem this can be entered just below the description field.
Moving on to step three, this is the biggest stage of the listing process. On this step you can set the following:-
· Auction type:-
Standard Auction
This is a single quantity auction and would be the main and only choice for property
Dutch Auction N/A
Dutch auction enables you to list a multiple quantity auction, for
example if you have 100 pens to sell you can list all of these together
in a single lot. Bidders will be able to select how many they wish to
bid for.
· Currency:-
You can select your preferred auction currency using the drop down menu available
· Quantity:-
This field is only active if listing a Dutch auction, please see above for an explanation of this listing type
· Auction Starts At:-
This requires you to enter the minimum bid you are willing to
accept, say £150,000 you can also set a reserve price to ensure you do not sell the property for this amount. Please see below for more information on this.
· Reserve Price:-
Enabling a reserve price affectively means you will not sell the property for less than the amount set, for example you can set the start
price at £150.000 but only accept winning bids over £155.000, should a bid be
placed for £154.000 the property will close without a winner.
· Buy out (if available):-
Buy out allows you to set an amount you are willing to sell the property
for – straight out. For example you can set the start price to £110.000
but offer interested parties the option to buy the property immediately for
£120.000.
You can also list buy out only auctions, these auctions remove all
bidding options meaning the listing can only be purchased for a set
amount. To set a buy out only auction you need to set the buy out value
to be exactly equal with the start bid.
· Offer-Range (if available):-
You can set a price bracket in which you are willing to accept an offer, for example your house is on at £155,000 if you set the price brackets from £145.000 to £150.000
interested parties will be able to offer you an amount within these
brackets, you can opt whether to accept or decline these offers at any
time via the members area.
· Bid increment:-
This option can be used to set your own custom bid increment if preferred.
· Item featuring (if available):-
The following options are available to you (fees may apply), these
will highlight your property on site to ensure they reach more visitors:-
§ Home page featured
§ Category featured
§ Bold text
§ Highlighted background
· Set start/end time:-
You can either opt to list your property right away and set a defined
number of days for it to be live for or you also have the option to
define your own custom start/end time.
· Private Auction:- Advisable so other buyers cant see who has bought your house
Private auction will hide the bidders identity on the property details page
· Image upload:-
To accompany your property you can either upload images from your local computer or enter the URL of an image(s) hosted elsewhere
· Media upload:- Advisable to get best sales results it's a great tool
In addition to images you can also upload media files, please note only .avi/.mpeg/.mov are supported.
· Auto Re-List
For convenience you can opt to have your property automatically
re-listed for you, options are available to allow you to select whether
the property should be re-listed if sold and how many re-list attempts
should be made.
On the next step you can set your shipping and payment preferences
including your shipping rates and available methods of delivery.
Not applicable to house sales
Proceeding on, you can then review the listing and make changes if
required, please note you can still edit your listing once live via the
members area.
The final step provides you with listing confirmation.
Which? Contains consumer information on buying and selling goods for your home.
Online Conveyancing Part of the econveyancing group, contains a directory of property Solicitors and Lawyers by area and related information on buying and selling property. Click below for further information or a quote if required.
Direct Gov Contains a good section on buying and selling a home.
House Prices Can provide historical information on properties sold in your area.
Outwood Financial Services Provides calculators and information on managing your money matters for arranging and setting up your finances for house related needs.
Owls Property Shop Wakefield based Estate Agent happy to provide any help with descriptions photograghs etc in the West Yorkshire area
Land Registry Provides reports on everything from property titles to previous sales.
Acceptance The document that you will need to sign and return to a lender if you wish to accept the lender's mortgage offer.
Agricultural This is a planning condition which permits the erection of a residential dwelling providing it is occupied by a person employed or associated with working on the land. Properties subjected to such a covenant are effectively "blighted" by this stipulation and values are relatively low because they cannot be sold to anyone who fails to meet the conditions imposed, unless the planning authorities agree to lift the covenant.
AIP Agreement in Principle of the amount you can afford to mortgage up to through your selected provider or IFA.
Applicant The term by which a potential purchaser is often referred to by estate agents.
Appraisal Carried out by a potential selling agent and, in their opinion, is the current marketing price of the property.
Asking price The price being asked by the vendor. Normally a little optimistic - a lot of properties sell for a bit less than the asking price.
BBO Buyer budget over... See BEO.
Beneficial Owner Person owning land and entitled to it for his own benefit. Not, for instance, a trust that holds the land for the benefit of another.
BEO Buyer enquiry over... A silly acronym used to confuse a first home buyer that indicates the point above which offers will be looked at by the vendor. This doesn't mean you can't offer below that, just that nothing will probably happen if you do.
Bridging Finance A purchaser under certain circumstances may wish to complete the purchase of a property whilst still offering his own for sale. Lenders will advise as to whether the necessary temporary finance can be made available. A short-term loan taken while you free-up money from the sale of your other house.
Building Regulations The Governments requirements for home improvement and new homes ensuring minimum prescribed standards.
Buildings survey A comprehensive survey providing a detailed report on a properties construction and condition.
Capital gains tax CGT is a tax on capital 'gains'. If when you sell or give away an asset it has increased in value, you may be taxable on the 'gain' (profit). This doesn't apply when you sell personal belongings worth £6,000 or less or, in most cases, your main home.
Capital Value The total value of your property including land and buildings, but not the chattels.
Caution Entries on the land register protecting the interests of a third party. Any application for first registration of title is notified to him whereupon he can take appropriate action to protect his interests.
Certificate of Title The ownership paper for your property. It contains a legal description of the land you own and information about the house.
Charge If a property owner uses his security in the property to service a loan, a charge is registered and certified. This entitles the lender to be regarded as a secured creditor to be paid out of the proceeds of a sale in the event of a default on the loan.
Charge certificate A certificate issued to a lender by the Land Registry giving evidence of the lender's charge over the property.
Chattels The items that come with the house when sold, including curtains, carpets, appliances, light fittings and other stuff generally considered part of the house. These should be listed on the Sale and Purchase agreement.
Chief rent A payment made on freehold land to the original freeholder forever. Distinct from ground rent which has a limited period.
Closed Tender A tender where bids must be in before a defined date.
Collateral Property pledged as a guarantee for the repayment of a loan.
Commission or fee to the estate agent The sum of money paid to the agent, and invoiced to their clients on exchange of contracts.
Company Title Some flats come with a company title. The company effectively owns the flat, and you own both shares in the company and a right to live in the flat (called a licence to occupy).
Completion The finalising of the sale when all the monies are passed over and the purchaser has legal right to the property.
Completion Date The date set upon exchange of contracts when the purchaser’s solicitor has forwarded the completion monies to pay for their new home and when the purchaser can take ownership of their purchased property.
Conditional agreement The agreement that goes alongside a conditional offer. It includes all the conditions that must be met before everything becomes final, or unconditional.
Conditional offer When you make an offer, you can make it conditional on getting your finance approved, sighting the body corporate finances, getting a building inspection, or anything else you like. Be warned though - the more conditions you put into an offer, the less attractive the offer may seem to the vendor.
Contract Entered into by the vendor and purchaser of a property which only becomes binding on exchange of contracts, i.e. when both parties have signed the contract and the purchaser has handed over the agreed deposit (if any) to the solicitor.
Contracts The legal agreement between a Seller (Vendor) and a Purchaser (buyer) which describes the details of the property and the terms under which the proposed sale and purchase are agreed.
Contract race Involving two or more purchasers wanting to buy the same property. Usually instigated by the seller. The successful purchaser is the first purchaser to exchange contracts.
Conveyance The legal process involved in changing ownership of the property. This includes the registration of new ownership documents.
Conveyancing The legal process transferring ownership from vendor to purchaser.The term given to the branch of Solicitors dealing with the transfer of ownership of the property.
County court judgement (CCJ) Whenever someone fails to pay for something and is subsequently taken to court, the magistrate may issue a County Court Judgement against that individual to pay the outstanding debt. It will only be removed once the debt is cleared.
Covenant A restriction or condition affecting the property which must be observed or performed. If a covenant is recorded on the title for your property it means there is some legal restriction or agreement. It may, for example, include restrictions on what you can and cannot modify on your property.
Deeds Also known as Title Deeds, the documents giving evidence of ownership or rights to a property.
Delayed completion Completion can take place any time after exchange of contracts. However, if it is longer than 28 days it is referred to as delayed.
Deposit The initial payment you make on your home - the mortgage pays for the difference. You are usually required to have between 5% and 20% deposit for your property before the bank will give you a mortgage.
Depreciation If your property depreciates, it goes down in value.
Disbursements Additional bits and pieces charged by lawyers and other professionals that relate to the costs they incur. Include photocopying, phone calls, etc.
Discharge of Mortgage When you pay-off your mortgage it is discharged. From this point forward, the bank no longer owns your house, you do! Well done.
Domestic Energy Assessor (DEA) The assessor who prepares the Energy Performance Certificate (EPC).
Early possession When you are allowed to move into your new home before settlement. A good deal, depending on the rent the previous owner wants to charge you.
Easement A right over or under land granted to someone who is not the owner.A right held by someone to use land belonging to someone else for a specific purpose. Mains, drains and water pipes are usually covered by and easement. An easement permits someone else to use your property for some stated purpose. An example is when the neighbour needs to use your driveway to get to their place. You may have an easement on your neighbour's property for a similar reason.
Energy Performance Certificate With effect from the 1st August 2007, the sellers of residential property (with four or more bedrooms) in England & Wales will be required to provide prospective buyers with a copy of a valid Energy Performance Certificate (EPC). This document will usually form a key part of the Home Information Pack and gives details about the energy efficiency of the property and it’s CO2 impact, plus information about measures that could be taken to improve the energy efficiency of the property. EPCs can only be produced by suitably qualified Domestic Energy Assessors and copies are held in a secure central register.A report on the energy performance of a property using the familiar A - G scale where A is a 'zero carbon home'. The assessor produces a report using a Standard Assessment Procedure (SAP) which enables like for like comparisons to be made.
Engrossment The formal and final version of a document prepared by a solicitor in readiness for signing and sealing following agreement of the final draft between the parties.
Enquiries A collection of detailed questions raised by the purchasers solicitor relating to the proposed purchase property which need to be answered by the sellers solicitor before contracts can be signed.
Equity Equity is what is left if you sell your property and pay-off all the debt. The more equity you have in your property the better.
Equitable interest Legal rights in a property that do not include the right to sell its legal title.
Exchange of Contracts The moment when the sale or purchase of a property becomes legally binding, i.e. the seller has legally agreed to sell and the purchaser has legally agreed to buy upon the terms as stated in the contract.
Exchange of contracts This is the stage when the buyer and seller exchange signed, legally binding contracts of purchase and sale. Both then become committed to complete the transaction.
Execution Signing, sealing and delivering a deed in front of an independent witness.
FENSA certificate When having windows and doors replaced homeowners must ensure that they get a certificate of compliance. This may be obtained from FENSA or from Local Authority Building Control (post April 2002).
Fixtures & fittings Any items that are to be included in the sale, e.g. carpets, curtains, curtain rail, wall lights etc.Items considered part of the property because they are permanently attached. Examples include the stove, cupboards and shelves.
Flying freehold A flying freehold is formed when part of a freehold property overhangs a different freehold property or land.
Foreclosure This is what you risk if you don't make your mortgage repayments. The bank comes and takes your home away. How nice.
Freehold Absolute ownership of land and any property which stands on it. .This means you own your land and buildings with few restrictions on what you do with them. Freehold can also mean you don't owe any money on your property.
Gazumping A term used to denote a situation where the vendor has accepted an offer but subsequently accepts a higher offer from another purchaser.
Gazundering This is when a buyer offers a lower price than they originally offered just before contracts are exchanged - hoping the seller will accept it rather than lose the sale
General agency The opposite of exclusive agency - a property listed with multiple agents
Ground rent This applies only to Leasehold properties and is a sum paid annually to the Freeholder by the Leaseholder.
Ground Rent A payment made under the terms of a Leasehold Agreement.
Home Information Pack A document containing a collection information prescribed by The Government,Properties marketed for sale from 14 December 2007 in England and
Wales will need a Home Information Pack (HIP), which includes a home
energy rating.
The Pack includes an Energy Performance
Certificate, containing advice on how to cut carbon emissions and fuel
bills. Also included are documents such as a sale statement, searches
and evidence of title.
Currently, any property that was
already on the market on the relevant commencement date (i.e. 1 August
2007 for sales of homes with four or more bedrooms; 10 September 2007
for those with three or more bedrooms and 14 December for all
properties) does not need to have a HIP.
At this stage no such date has been set when all properties that are on the market will be required to have a HIP.
Homebuyers (HSV) A concise report detailing any significant problems that could make a difference to the value of the property.
IFA A Financial Advisor who advises on a wide range of financial products from differing lenders and insurance companies.
Improvement grant A grant made by the local authority towards the cost of repairing or improving property. Further information with regard to grants is available from your local council.
Indemnity Policy Indemnity is the legal philosophy upon which the concept of most insurance policies rests. "indemnity" is protection from loss and damage claims filed by another person
Instalments Typically means the frequency of payments to your bank for the mortgage. Each payment will usually be partly for the principal and the rest is for the interest component - depending on the type of mortgage you choose.
Instruction This term is used when the estate agent is formally instructed by a property owner to market the property, usually by private treaty, in order to find a purchaser. The resulting contractual agreement confirms the terms under which the instruction is offered by the vendor and accepted by the estate agent.
Interest rates These typically come in fixed or floating varieties. Fixed interest provides you with a defined interest rate for a certain period (e.g. 6% for 2 years on a given amount). Floating interest rates move up and down as your lender chooses - if interest rates go up elsewhere, yours will to.
Joint Tenancy Most couples own their home in this way. It means you both own the property (and the mortgage) and that if one of you dies, the other party (or parties) get full ownership of the property. It supersedes whatever your Will says.
Joint agency A situation where two agents are acting, the commission being apportioned as agreed by the seller and joint agents.
Joint sole agency A situation where two agents are acting as sole agents, the commission being divided equally, no matter who sells the property. See also 'MULTIPLE AGENCY'
Joint tenants Two or more people holding property as co-owners. When one dies, his share of the property automatically passes to the survivor(s). See also 'TENANTS IN COMMON'
Land certificate A certificate issued by the Land Registry as proof of ownership.
Land registry A Government department where details of properties with a registered title are recorded along with any charges e.g. mortgages.
Land Value The value of the land without the buildings.
Lease Ownership of property by way of a leasehold interest for a fixed term, usually with an annual ground rent.
Leasehold Ownership of land (normally for a fixed period) Means someone else owns the land under your property and that you rent it from them. The risk of leasehold is that your rent for the land could go up. You can get a Certificate of Title for your leasehold interest and will need to notify the landowner when you sell your property.
Lessor He who grants a lease - the landlord.
Lien The legal right of one person to hold the property of another as security for a debt. ‘A lien is a right of a person to retain possession of the owner’s property until the owner pays what he owes to the person in possession’.
Licence to occupy Common in retirement villages, a licence to occupy lets you live in the house or flat, but you don't own it. See Company Title.
Local Authority Search A search of local authority records to confirm the status of a property. This would also check for changes in the local area and provide detail of any planning permission granted.
Maintenance Charge A charge made, usually annually, by the landlord, to cover the costs of maintaining the property as set out in the lease.
Management Company A company set up to manage the servicing of property, usually leasehold, and any repairs or maintenance required.
Market Appraisal Carried out by a potential selling agent and, in their opinion, is the current marketing price of the property.
Market Value The likely sale price of a property. The market value is the most you can reasonably sell your property for, given the market conditions.
Mortgage Loan for which property is the security (usually for house purchase).The legal document that gives your lender the 'security' over your property. If you are unable to make the repayments the mortgage is the document you need to be most afraid of. See Foreclosure.
Mortgage deed The document enshrining the conditions of a loan secured on a property.
Mortgagee The lender or any person or organisation who lends money for the purpose of a mortgage, for example a building society, bank, or private individual.
Mortgage indemnity guarantee An amount payable when a loan to property value exceeds the lender's maximum allowable. Amount payable and repayment terms of a M.I.G. vary according to each lender's mortgage arrangements.
Mortgage offer The letter from the lender offering you the loan and setting out the terms and conditions upon which it is offered.
Mortgagor The borrower (whose property is secured for the loan).
Mortgage Protection Insurance Insurance to help you make mortgage repayments in the event that you are unable to after losing your job or if you die.
Mortgage Payment Protection Insurance (MPPI) covers your mortgage payments in the event of your being unable to work due to an accident, sickness or unemployment, so it is also known as ASU.
Mortgage Valuation A lender will send a specialist valuer to work out how much the property's worth so they can decide whether to give you a mortgage or not. The valuer is only concerned with problems that might affect the security of the loan, not whether you have any structural problems that need fixing.
Mortgagor This means the borrower.
Multiple agency A situation where two or more agents are acting for the vendor. The agent who introduces a successful purchaser is the only one paid. See also 'JOINT SOLE AGENCY'
New instruction This is a new property that has been added to the agent's list.
Offer (England & Wales) A presentation of intent to purchase a property, at a price.
Ombudsman for Estate Agents The Ombudsman for Estate Agents (www.oea.co.uk) is a free, fair, independent service for buyers and sellers of residential property in the UK. It listens to their complaints and offers financial compensation if necessary.
Part-possession The term used, when a property is being sold, where a tenant has legal right of occupation.
Peppercorn rent A term used to denote a ground rent of a trivial amount.
Possession This is when you have the right to move in to your new home. Also known as 'taking possession'.
Power of Attorney A legal document that lets someone act (in a legal sense) on your behalf if you are unable to. Grant this carefully.
Pre-approval Offered by most banks, you can get pre-approved up to a certain amount to buy a property. Factors taken into consideration include your income, your expenses, and any other debt you have.
Preliminary enquiries A set of questions raised by the purchaser's solicitor and sent to the vendor via his solicitor, prior to exchange of contracts. They ask for clarification of specific points about the property which is being sold and the present vendor's ownership of it.
Price change This is a property that has had its price changed.
Private Treaty (For sale by) The sale of property by private treaty is the method employed by most estate agents, preparing descriptive details of the property and quoting a definitive asking price. Details are circulated: potential buyers may view the property and either agree to buy at the asking price or submit an offer to purchase. Agreement to buy at this stage (for England and Wales) is subject to formal contracts being prepared between the vendor and the purchaser and those contracts being signed and exchanged between the two parties.
Probate The official process of proving a will is valid. In many cases part of the estate will involve a property, which might need to be valued for Inheritance Tax purposes. A probate valuation is generally a negotiated value with the district valuer representing the Inland Revenue. A sale cannot proceed to exchange of contracts until probate has been granted.
Principal The amount of money you owe your lender before the interest component is added.
Private sale Selling your house without the assistance of an estate agent. Typically saves you 1.5% of the value of your house in fees, if you can get the same price as the agent would have.
Project Information Memorandum (PIM) A report you can get from your local authority or council that will help you if you are undertaking a building project. It will set out everything they know about the land - such as it's propensity to flood.
Rateable Value The valuation that is done by your local authority to set your rates. Typically, the more your property is worth, the more rates you pay.
Registered land Land (including buildings on it) the title to which is registered at the Land Registry and legal ownership of which is guaranteed.
Registered If property is registered, the title to the property is registered at the Land Registry and is guaranteed by the state. The owner has a 'Land Certificate' instead of the usual title deeds. Buying registered property is more straightforward than buying unregistered property.
Retention A sum of money withheld by a lender pending the completion of certain specified works.An amount held back from the initial loan by the Lender until certain repairs or improvements have been completed or in some cases to cover possible road charges on a new estate.
Right of way An individual's legal right to use any particular part of a property, in order to gain access to any particular part of his own property.
Sale and Purchase Agreement The legal contract between the vendor and the purchaser.
Security See Mortgage.
Searches A term used to denote the physical and written procedure for determining any adverse effects in / on a particular property, whether already in effect or planned to take place.
Settlement day The day when you pay for the property you have purchased. Also typically the date you get your mortgage to allow you to do this. You get the keys and the vendor gets their dosh - minus the estate agent's fee, if applicable.
Share of Freehold Where the Leaseholders jointly own the freehold themselves.
Shared Ownership Housing associations offer shared ownership as a part-buy part-rent way to own a property. You pay a mixture of mortgage and subsidised rent, making the homes affordable for those on or below average incomes. If you start to earn more, you can increase your shares in your home, and have the option of owning the property outright.
Sitting tenant To occupy the property as tenant, but have legal rights without a lease. Any sale would be subject to any rights of a tenant who has occupation.
Sole agency When you home is being sold by a single estate agency. Where only one agent has the authority to sell the property. This does not affect the owner's right to sell privately.
Sold subject to contract Sold 'Subject to Contract' (STC) means that the homeowner has accepted an offer from a buyer but the paperwork is not yet complete.
Sole-selling rights Where one agent has complete control of the sale, and is entitled to his fee however the property is sold.
SPA A Special Protection Area (SPA) is a site that is designated by the European Habitats Directive as being of European importance for its populations of wild birds.
Stamp duty This is the tax normally paid by the purchaser of a property to the Government. Currently based on the following rates: • exempt: if the purchase price of the property is under £120 000* • 1% of the purchase price on any sales exceeding £120 000 and under £250 000. • 3% of the purchase price on any sales exceeding £250 000 and under £500 000. • 4% if the purchase price on any sales exceeding £500 000. *This does not apply if the purchase is part of a larger transaction or series of transactions. Disadvantaged Areas Stamp Duty Exemption may apply for properties within the Government's designated wards. For more information please go to www.inlandrevenue.gov.uk/so These figures do change subject to government rulings.
Survey Available in three types: Valuation, Home Buyers and Structural. Inspection of the property by an independent surveyor.
Take possession See Possession.
Tender The process of buyers making offers, typically in writing, for the seller to consider. In closed tenders, bids need to be in by a certain date. Open tender means there is no particular deadline - but that the property could sell anytime. A tender bid can include conditions from the bidder.
Telegraphic Transfer The means of transferring funds i.e. completion monies, electronically upon completion to sellers solicitor.
Tenancy at will or licence After exchange of contracts a purchaser may seek to take possession of a property before financial, legal completion. This could be to carry out repairs and decorations or to take up residence early. This can often be organised and a licence arranged between both parties' solicitors. The purchaser paying an appropriate rate of interest on the balance of the outstanding monies (i.e. purchase price less deposit paid) instead of rental.
Tenant Person who is in possession of a property usually by way of lease.
Tenants in common Two or more people holding property as co-owners. When one dies, his share of the property automatically passes to his estate. See also 'JOINT TENANTS'
Tender - For sale by This is the situation where the asking price is not actually stated, but offers (in writing) are invited. Details of the property are prepared, circulated and advertised. The closing date for the tender is noted. In most cases the vendor will reserve the right to refuse the highest offer, thereby not being committed to sell. Offers tendered are usually opened in the presence of the vendor's solicitors, at a prescribed date and time. An acceptance of an offer by the vendor constitutes an immediate contract, and in most cases, the party tendering will have made their financial arrangements and have had a structural survey carried out in advance.
Tenure Whether a property is freehold or leasehold.
Title The rights and liabilities that attach to the property. The legal ownership of a property or the rights which a person/people have to a property.
Title - Absolute The highest form of tenure available.
Title - Abstract of A summary of title documentation used in the conveyancing of unregistered properties to prove that the vendor has the right to sell.
Title deeds Legal documents describing the rights and liabilities that attach to the property and prove ownership of property.
Title report on Solicitors' certificate confirming that the title to the property is acceptable. A Lender must have one before an advance cheque for the mortgage monies can be issued.
Transfer Document The document which transfers over legal ownership of a property.
Unadopted road A road which has not been accepted by a Local Authority possibly as a result of it not meeting the standards laid down (e.g. road surfaces, drainage, etc.).This indicates the possibility of a road charge liability if and when the road is adopted.
Under offer A property is under offer when a homebuyer has made a formal offer to purchase the property but the homeowner has not confirmed whether to accept. If the offer is rejected then the property remains on the market until the next formal offer is made at which point the homeowner must again decide whether to accept the offer or reject it. If the offer is accepted then it becomes 'Sold Subject to Contract' (Sold STC).
Unconditional Means there are no conditions attached to the sale of the property. An offer will often be made with conditions and then go unconditional once the buyer has checked off their conditions.
Unregistered If property is unregistered, ownership is not guaranteed by the state. The title can only be proved by a copy of the title deeds, and your solicitor will check back the property's documentation over at least 15 years to certify it. With unregistered property, disputes over title are not uncommon.
Vacant Possession The previous occupants must vacate the property before you move in, including any tenants.
Valuation When carried out by a potential selling agent is in their opinion, the current marketing price of the property. For any other valuation purposes, alternative professional advice may be appropriate.
Value of improvements The difference between the Land Value and the Capital Value of the property. Essentially the value of the buildings.
Vendor The owner of the property to be sold.The owner who is selling the property.
Writ or summons Mode of commencing legal proceedings.
Will A legal document that sets out what to do with your assets when you die. Can save a lot of hassle for others when you die.
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