House Buying Guide House Buying Guide

Thinking of buying a house? Our step-by-step guide explains the process, from saving for a deposit to house hunting, making an offer and moving in


Money talk

Save for a deposit and speak to a mortgage advisor to find out how much you can borrow and apply for a mortgage agreement in principle

Research your area

Once you know what you can afford, it’s time to start researching to find the area you’d like to live in

Register with estate agents

Create an account with us online to receive regular email updates on the latest properties for sale in your preferred area

Contact a member of our team

Our experienced, friendly team will be happy to chat to you about what kind of house you’re looking for, and will also be able to advise you on current market conditions

Sell your existing property

If you have a house to sell, now is the time to get it on the market as often you’ll need to have your own house sale agreed before a seller will accept your offer on a new house

Arrange viewings

When something comes onto the market that we think you’ll like, we’ll let you know quickly and liaise with the seller to agree a suitable time for you to view

Make an offer

Once we’ve found the right home for you, we’ll make the offer to the seller and negotiate on your behalf, and will stay in regular contact with you to let you know how things are progressing

Apply for a mortgage

Once your offer has been accepted, it’s time to apply for your mortgage; your advisor will be able to help you decide what type is best for you, for example a fixed rate mortgage or a tracker, and how long you want to spend paying it off

Appoint a solicitor

We recommend choosing a solicitor who specialises in conveyance or property and who is based in the area you are moving to, as local knowledge will be helpful during the completion process

Research removal companies

If you don’t have a lot of furniture you could hire a van yourself, but if you have a lot of belongings to move then we recommend using a reliable removal company, who will make the process a lot easier

Arrange home insurance

You must have buildings insurance in place as soon as you exchange contracts, because you are legally bound to buy the property at this point, and should anything happen to the property before completion, you would need a policy in place to cover it

Exchange contracts

This happens when the buyer and seller’s legal representation swap the signed contracts, and the buyer pays the deposit

Time to move in

Completion of the deal usually takes place around two weeks after the contracts are exchanged, and on completion day the money will be transferred to the seller from your bank, which means you can collect the keys from your estate agent and move in!

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