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8 Steps to Buying a Property

published on 28/03/2018  

Once you have decided to buy a home there are a number of steps you need to take from start to finish. Read on and see what you can expect.

Getting Your Mortgage

It’s a good idea before you begin to look for a property to get a mortgage agreed in principle. This means you can go ahead with any negotiations confidently and you know exactly how much you’ve got to spend. When you’ve done this, you can go to step 2.

Choosing Your Home

Ask your agent about the properties they have on their books that you like. Find out which ones are open to offers. This means you can either look at properties slightly over budget or have money to spare for furniture, or a new bathroom or kitchen. Once you’ve found a property you love you can go on to step 3.

Making an Offer

Speak to the agents handling the sale and ask them to pass on your offer to the sellers. Don’t be disappointed if they don’t accept. You may to pay the asking price if it’s a property you really want. Whether you get a reduction or not once you’ve agreed on price it’s time for step 4.


Your mortgage lender will arrange for a survey to be done on the property. This is to make sure it is worth what you are paying for it. It won’t tell you about any repairs or problems with the structure. If you want a structural valuation you will have to arrange that separately. If all goes well it’s time to take step 5.

Appoint a Solicitor or a Conveyancer

The paperwork involved in buying a property can be dealt with either by a solicitor, or by a licensed conveyancer. They will correspond with the seller’s solicitor or conveyancer and they will carry out searches with the Land Registry. They will find out if there are any issues coming up which could affect the value of the property you want to buy or any problems with things like right of way. When all the searches have been carried out and there’s nothing to worry about you can go on to step 6.

Exchanging Contracts

This is the day that the money is transferred to the seller’s representatives and you get the keys to the property. As long as there are no hiccups with the money transfer you should be the proud owner of the property and you can now move in. Tags: Buying, Property