Buying a home can be a stressful time for many. UK estate agents and experienced peers can be a great support through it all, but having a specified checklist can help you stay on top of every little detail that might pop up. Additionally, if you’re a novice in the scene, an all-inclusive manual introduces you to commonly used terms. 

The below-mentioned moves will ensure that you purchase the best house as per your unique criteria.

A step-by-step guide to buying a home in the UK

Here is a comprehensive guide to refer to before you set out on your home buying journey in the UK.

Get in touch with a real estate agent

According to a survey for the financial year 2019-2020, in England, there were 827,000 first-time home buyers, 100,000 more than the previous year. With such a high influx of would-be homeowners with no prior experience in real estate, a reliable industry expert is essential for responsible purchases to be made. Thus, you need to pair up with a knowledgeable real estate agent early on to make the best out of your investment.

Look for agents who’ve made similar sales before and cater to your specific needs. You can also directly reach out to agencies to get end-to-end solutions for all your home buying concerns.

Set a budget

No matter how beautiful a flat is, if it’s not within your budget then there’s no point wasting your time on it. In fact, not setting financial boundaries early on leads to bad financial decisions and dissatisfaction.

When determining whether a property is affordable for you, consider how you’ll cope if your income falls or interest rates rise, and avoid overstretching yourself. Have extra cash reserves in your account for deposits, basic furnishing, and any unforeseen maintenance cost that you may have to incur. Once you’ve made up your mind, convey this figure to your agent so that they can shortlist properties accordingly.

Take house tours

Despite having a vision of the kind of house you want, going out and about in the real estate market can completely alter your perspective. This is why you must tour at least a few homes before you make a purchase decision instead of just depending on pictures. This can help you look for any drawbacks that might’ve not been communicated by a realtor or seller and help you make an informed decision.

Make an offer

Once you’ve found a home that matches most or all your requirements, make an offer to the party in charge. There might be some price negotiations on both ends so stay prepared for all that is to come.

If you’ve picked a sought-after property, then you might have to be a part of auctions so make sure you make it to the set location on time.

Arrange paperwork and mortgage

This is hands down the most intellectually exhausting but important part of the home buying experience. Read all your agreements and get them checked by a legal specialist before sealing a deal to avoid troubles in the future. 

Often buyers opt for a mortgage to pay for their house so fix up meetings with your bank of choice so that you don’t land in a financial rut. Refrain from teaming up with unestablished bodies for your home loan to steer clear of high borrowing rates and fraud.

Finalise the deal

Now you’re ready to own a new home!

If you’ve signed up for a property under construction, then keep a track of the possession date. Moving into an already built house would entail collecting all the keys from the seller, getting a thorough cleaning, and finally setting foot into your personal space.


Buying a home is as much a practical decision as it is emotional. Do choose a home that fits your dreams, but take into account its proximity to grocery stores, your workplace, and other amenities. Every homeowner has a different set of priorities to look after, so do not be afraid of customising the guide as per your convenience. Lastly, do not be intimidated or demotivated if the process takes some time – good things take time and you certainly shouldn’t rush such a big investment.