The seven steps on the home-buying ladder

Whether you are already a homeowner, or buying your first home, there are certain stages which you need to go through in order to secure your new home.

Buying a house and moving can be stressful as well as exciting, but by being organised and prepared, you can make the process as easy as possible.

Arranging a mortgage

Before you set your heart on a property, calculate what mortgage you can afford. The best way to do this is to arrange an appointment with a mortgage adviser. Once you know your budget, you can then set about finding your dream home.

Register with estate agents

The next thing to do is to register with a few estate agents in the area where you want to live. You can usually get a sense of the most popular ones by looking around the area and seeing the For Sale boards outside houses. Most properties are also listed online, so register with online companies too.

Arrange viewings

Get viewing as soon as possible. If your job means you need a weekend viewing, try to get these booked in as early as possible. Some estate agents offer evening viewings, but this will depend on the seller agreeing to this.

The seven steps on the home-buying ladder
Appoint a solicitor

Once you have decided to move, instruct a local solicitor. Look for one who specialises in property sales and try to get a recommendation.

If you require a homebuyers report Berkshire is well-served with providers, who can usually also provide a valuation report and property survey.

Making an offer

When you are ready, make an offer via the estate agent. Once your offer is accepted, you will be asked to provide details of your solicitor and your mortgage lender, as well as your bank details.

Depending on your situation, you may be entitled to various incentives such as those being considered by ministers.

Surveys and reports

The type of property, the age and the price, will determine what type of survey you should opt for. If you need a homebuyers report Berkshire based SAM Conveyancing can help.

Exchange and Complete

Once everything is in place, you will be given an exchange and completion date and you can then start packing and book your removal company. Following exchange, you are legally obligated to buy the property.