Start here
A first home starts
with a first step.
See the route from “maybe one day” to moving day.
Buying a home brings several decisions together. This route helps you see the order, then choose where to spend your attention.
01 / YOUR NEXT STEP
Find a comfortable budget
Start with your take-home income, regular spending and a buffer for surprises. Include the ongoing costs of owning a home.
02 / YOUR NEXT STEP
Understand your mortgage options
Prepare your financial records and speak to a lender or mortgage adviser. An agreement in principle is a starting point, not a mortgage guarantee.
03 / YOUR NEXT STEP
Find somewhere that fits
Write a short list of needs, research the area and view homes with questions ready. Check tenure and ongoing charges.
04 / YOUR NEXT STEP
Make an informed offer
Compare the property with similar homes and decide your limit. Speak to your solicitor early if you are buying in Scotland.
05 / YOUR NEXT STEP
Do the checks
Arrange the legal work, mortgage application and an appropriate survey. Read the reports and ask about anything you do not understand.
06 / YOUR NEXT STEP
Get ready for the keys
Confirm the moving arrangements with your legal adviser. Plan insurance, utilities and the practical jobs for your first week.
Check the details
Use the linked guidance for the latest rules and advice for your circumstances.