Where is the best place to search for a property?

Approximately 95% of home movers start their property search online due to its convenience.

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Step 1

How much can I afford to spend?

This will depend on your individual circumstances. We would recommend that you see a mortgage adviser who can help you work out how much could afford each month for your mortgage and any associated insurance costs. In the meantime, you can get an idea by using our budget planner.

Step 2

How much does it cost to buy a house?

There are a number of costs to consider when buying a property such as mortgage fees, broker fees, surveys, conveyancing, removal charges, etc.

Step 3

Are there any government backed schemes that might help me buy?

Yes. there is a government backed Help to Buy Equity Loan schemes available in England which offer loans of 20%

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Step 4

What is stamp duty land tax?

Stamp duty land tax is a tax paid by the buyer on residential properties over £500,000 in England and Northern Ireland [announcement 8th July 2020 stamp duty holiday].

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Step 5

How do I know how much to offer?

You could look at recently sold, comparable property in the local area to get a feel of what property is generally selling for.

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Step 6

What does exchange of contracts mean?

Exchange of contracts is the point at which you are legally bound to buy the house and nobody can back out of the transaction.

Step 7

Does offering on a property commit me to buying it?

No. You are not legally bound to buy a property in the UK until you exchange contracts, usually at the end of the sale. However, your financial adviser will be able to talk you through when your offer becomes legally binding as there are some exceptions.

Step 8

What are the different types of survey and what do they do?

There are four different types of survey. A Condition Report is the cheapest, and is a very basic ‘traffic light’ survey suitable for homes in good condition.

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Step 9