England and Wales buying guide

Buying a home

  1. Choose an area
    Pick an area where you think you'd like to live.
  2. Price - decide what you can afford
    Make an appointment with one of our Mortgage Advisers. They'll discuss which mortgage and repayment method will suit you best.
    They can also give you an agreement in principle, which could put you in a stronger position when you come to buy.
  3. Visit an estate agent
    Once you know your budget, it's time to visit estate agents to find your dream home.
  4. Make an offer to the seller
    Tell your estate agent how much you would like to pay for the property.
  5. Find a solicitor
    If the seller accepts your offer, you'll need a solicitor. The solicitor will exchange contracts and carry out conveyancing work for you.
  6. Is there anything you'd like the seller to leave?
    Give your solicitor details of any extras to be included, like carpets and curtains.
  7. Get a surveyor's report and complete your mortgage application
    Before your mortgage provider can give you the money, they will need a surveyor's valuation. Have a look at the report, then forward it to your mortgage lender.
  8. Arrange buildings cover and life assurance
    Be sure to arrange the cover before the property is yours.
  9. Exchange contracts
    Pay the deposit to your solicitor (if this applies to you), exchange contracts and set a date for completion.
  10. Completion
    This is the day your mortgage lender sends the remaining funds to your solicitor. Your solicitor will then transfer the funds to the seller's solicitor.
  11. Move in
    Congratulations! Now it's time to make the place your own.

This advice is general in nature and may not be appropriate to your personal circumstances. For independent legal advice, please contact a solicitor.

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