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Free buying a home

The steps to buy a home, from your budget to getting the keys. The process differs in each country, so check local guidance.

Money

• Set a budget
• Check your credit report
• Save for a deposit or down payment
• Get a mortgage agreement in principle or pre-approval
• Check purchase taxes
• Budget for fees and moving costs

Search

• List must-haves
• Research areas
• Book viewings
• Check schools nearby
• Check travel times

Offer

• Make an offer
• Check what is included in the sale
• Choose a solicitor or lawyer
• Book a survey or home inspection

Legal

• Apply for the mortgage
• Check property searches
• Arrange buildings or home insurance
• Review the contract
• Verify payment details by phone before sending money
• Agree a completion or closing date

Keys

• Book removals
• Collect the keys
• Take meter readings

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