Our guide to buying a house has five sections that you can follow in order to get a comprehensive understanding of the entire process, from saving to moving into your new house.

Making an offer

Finances in order?

Before you do anything else, we say do your research and find how much you can actually afford to spend on a property. Don’t forget There are many other costs to consider outside of buying the property itself. Think about stamp duty, solicitor’s fees, removal costs, any work that may need doing on the property.

Do your research

Fully research the area you are interested in buying in. Think carefully about the things you need and the things you would like, such as good local schools, transport links, green spaces, shops etc. Research the types of properties that are available in your price range and be realistic about your expectations. You might also consider asking questions from the estate agent on a particular property.

BOOK FOR AN INSPECTION

It might be worth taking a day or two off work and lining up multiple viewings. View the property three or four times and do so at different times of the day, so you get a real feel for what it is like. Keep an open mind though; very often, people end up buying something that is very different to the ‘dream’ home they imagined. After the viewing, be sure to give the estate agent some honest feedback.  

Making an offer

You’ve found a property you’re sure you want to buy. Call the estate agent and let them know how much you’re willing to offer. Don’t be surprised if your first offer is declined – that’s the name of the game and buying a property is all about negotiation. If there are a number of people keen to buy the property, you might be invited to take part in a sealed bid. If you really love the property, try not to make very low offers that will no doubt be refused. 

Everything in order?

When your offer is accepted, you’ll need to employ a lawyer. This legal specialist will manage any negotiations to do with the purchase of the property on your behalf. They’ll check all the paperwork is in order and look after the details of the contract for you.

Most people hire a surveyor, too. The surveyor will do a full survey of the property, highlighting any possible problems that might need looking at.