The essentials.
All in one place.

Use this as a working list. Print it with your browser’s Print command, or keep it open as you work through each stage. Ask your adviser to add anything specific to your purchase.

Before you start looking

• Set a monthly housing budget with a buffer.
• List your deposit funds and the source of each amount.
• Budget for buying costs and property tax.
• Gather income and spending records.
• Discuss mortgage options and an agreement in principle.

At each viewing

• Check tenure, charges and planned works.
• Ask about the chain and what is included.
• Look at condition and note questions for a surveyor.
• Visit the area and compare your notes.

Once your offer is accepted

• Instruct your legal adviser and confirm the next steps.
• Progress the mortgage application and survey.
• Read the reports and resolve outstanding questions.
• Verify payment details using a trusted contact number.

Before you move

• Confirm the legal commitment, completion date and key handover.
• Arrange insurance from the date your adviser recommends.
• Confirm removals, utilities and change-of-address tasks.
• Pack essential documents and first-night items separately.
• Take meter readings and store the handover paperwork.