Buying a Property

We offer a free, no obligation residential conveyancing quote for buying a property. Complete our conveyancing quote form on the right of this page or at the bottom of our Contact page.


Buying a property?  There are many things to consider when buying a home. What area would you like to live in? What do you do when you find a property you are interested in? This guide will focus on what you need to think about when buying a property.

Step 1: Mortgage in principle

Before looking for your new home, work out what you can afford to spend. How much money can you borrow from a mortgage lender and afford the repayments? If you are selling a property before you buy your new home, what is it worth and how much equity do you have in it? Your solicitor can put you in touch with a financial advisor to give you the mortgage advice that you need. Your solicitor can also arrange a free assessment of the likely value of your current property for you.

Step 2: Arranging a viewing

Arrange a viewing as soon as you have found the ideal property. Before you view the property get to know the local area, this will give you a chance to consider any questions you may have for the vendor. Have a good look around the property and take notes. Always try and go back for a second viewing.

Request the property’s Home Report, which contains a survey report, an energy performance certificate and a questionnaire completed by the seller. It also includes a surveyor’s valuation and information about the condition of the property, any repairs needed or upgrades to systems such as heating or insulation. The Home Report should help you to build a picture of the property’s condition and decide whether it is the one for you.

Step 3: Choosing a solicitor

It is a good idea to talk to your solicitor early in the process. They will have extensive knowledge of properties, areas, prices and the purchasing process that can benefit you. Good advice at an early stage can be invaluable and save you a lot of time. Your solicitor will also be able to estimate the likely fees involved such as land registration dues and stamp duty.  

Use our Conveyancing Calculator on this page to obtain a no obligation estimate for your move.

Step 4: Making an offer

You should think about the price you are willing to pay, the date of entry, any moveable items you would like to be included (such as carpets, curtains and white goods) and whether your offer should be subject to survey. If further negotiations are required your solicitor will conduct these on your behalf. Effective negotiations may save you a significant sum of money.

A written offer will be submitted to the seller through their agent. The Solicitor will ensure that where a closing date has been set, your offer is lodged on time and in the most relevant format the selling agent will advise your lawyer whether the bid has been successful or not.

Step 5: The conveyancing work

Your solicitor will check the terms of the seller’s title and ensure that all related matters are in order, such as local authority consents having been obtained for alterations. The solicitor will ensure that, in exchange for paying the purchase price, you will receive a good title to the property. Your solicitor will discuss matters with you and bring any issues to your attention during the conveyancing process.

Your solicitor will draw up a conveyance of the property and the security documentation for your mortgage lender (which you will sign) after your Offer of Loan is issued. Your solicitor will arrange for the loan funds to be released directly to them in time for the date of entry, along with any additional funds from you that are needed.

Step 6: Completion and Exchange

Once the finance goes through on the date of entry agreed your solicitor will give instruction to hand over the keys to your new property.

Step 7: Do you have a Will?

As a property owner it is important that you have a Will.  Our specialist Wills lawyers at Coffin Mew can advise on this. 

If you would like further information please contact us on 023 9238 8021, click below to send an email or use our conveyancing quote form above to obtain a free, no obligation conveyancing quote.

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