Navigating how to buy a home
Map out your next big move here
Getting the keys to your own home can be a thrill, but the process to get there can feel like a maze if you’re not prepared. From house hunting to moving in, on this page, you’ll find guides on all the important steps of the homebuying journey so you can take it on with clarity and confidence.
Get startedWhat you need to know about the process of buying a home
Popular homebuying process FAQs
To understand as much as you can about the property when you’re at a viewing, it’s best to come prepared with a list of questions for the estate agent. Is the seller open to negotiation? How much are the utility bills? It’s all worth asking! Here are a few key questions to add to your list:
- Why are the current owners selling?
- How long has the property been on the market?
- What are the neighbours like?
- How old is the property, and what is the condition of the boiler and roof?
- Have there been any recent works on the property?
A mortgage in principle (MIP) is a written statement from a lender which says how much they would potentially be willing to let you borrow for your mortgage. They calculate it based on a quick review of your income, spending, and credit history. It’s not a legally binding mortgage offer, but having one ready to go proves to estate agents and sellers that you are a serious buyer with realistic funds.
A conveyancer is a solicitor who specialises in helping you carry out the property transfer process safely and lawfully. Both buyer and seller have their own solicitor to handle all the legal and administrative legwork on their behalf. This includes reviewing contracts, conducting local authority searches, dealing with the transfer of funds, and registering your new property with the Land Registry.
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