Before you begin your property search, you should find out how much you can afford to spend. Our recommended mortgage broker has access to a large section of the market that will help with your search.

 So, you’ve scoured the estate agent’s selection and pored over the property portals - it’s time to book in some viewings. Here are a few pointers:

• The number of years left on the lease (if applicable)

• Any service charges
• Local transport links
• Outdoor space

Once you’ve found the property that you want to buy, call the estate agent to let them know how much your offer. Don’t be surprised if your first offer is declined – buying a property is all about negotiation.

It’s always important to research before you make this decision, as the success of a sale can rely on the efficiency and experience of your solicitor. If required, we can offer you a recommendation.

Your offer has been accepted and the solicitor has instructed the mortgage lender to identify any structural problems and advise on value. After the valuation report comes through, a formal mortgage offer will be sent to you and your solicitor.

Once your solicitor is satisfied with the mortgage offer and the other conveyancing aspects, you’re ready to exchange contracts. After both parties have signed the contract, it’s up to you to pay the deposit (usually 10% of the purchase price) to your solicitor. This will then be forwarded to the seller’s solicitor with a mutually agreed completion date.

That’s it! Congratulations, you’re now the legal owner of your new home. The deal is completed when the balance (usually 90%) is transferred from your solicitor to seller’s solicitor.