Daily Mail

A handy checklist can make all the difference when you're buying a home.

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  • If you're looking to buy a new home, here's a straightforward planner where you can tick off each of the stages as you complete them. Hope it comes in handy.

    1. Are you ready?

    • Do you have a large enough deposit saved?

    • Calculate how much you can afford to spend per month

    • Find the best mortgage offer. Compare current deals at our partners Money 

    • Get an offer lined up from a lender

    • Calculate other costs you'll have to cover

    • Check out our definitive guides for first time buyers

    2. Starting your property search

    • Draw up ‘would like' and ‘really need' lists

    • Work out a ‘home triangle': budget, space and location

    • Consider existing vs new homes

    • Weigh up 'free' offers or incentives from developers

    • Consider doing up a wreck, buying at auction or with a friend or family member

    • Think about shared ownership schemes, such as the Help to Buy schemes

    • Meet and register with estate agents

    • Check out parking and storage 

    • Check our running costs such as council tax and utility bills. Use our handy tool for this.

    • Check out crime rates, transport links and whether prices have risen or fallen in the area

    • Consider extending your search if you can't find anything within your budget

    • Ask to see the Energy Performance Certificate (EPC) for the property

    • If buying with a friend or partner, get a co-ownership agreement drawn up

    • Make enquiries if buying a leasehold flat. Who's the freeholder and managing agent? How much are ground fees and service charges?

    3. Making an offer

    • Choose a solicitor

    • Research prices paid recently for properties in the area and current home value trends

    • Make an offer in writing

    • Ask for the property to be taken off the market as soon as your offer is accepted

    • Agree a date when the vendor moves out and you move in

    • Show proof that the lender will give you money, if you are taking out a mortgage

    • Check the solicitor is making enquiries and getting title deed information

    • Choose a surveyor and organise a survey

    • Set the completion date

    4. Moving date

    • Book a van or removals company

    • Inform authorities such as utility companies, Electoral Roll, your employer and Inland Revenue of your new address

    • Contact the council to suspend a parking bay for the removal van

    • Get the mortgage deed for the solicitor to sign

    • Sign contracts for exchange

    • Pay the balance of the property's price

    • Get the transfer document and title deeds

    • Take out building and contents insurance

    • Pay Stamp Duty, Land Registry and solicitor's fees

    • Check your insurer covers you for any damage while moving

    • Tell the removals company about narrow roads or unusual directions

    • Pack, ensuring fragile items are well wrapped

    • Label each box with a number or letter corresponding to the room where it will go

    • Pack a ‘moving box' with essentials including tea, cleaning materials and a bottle of bubbly

    • Keep passports and other vital items with you

    • Pack a bag for each person with a toothbrush and change of clothing

    • Get someone to mind your pets (or make sure they're secure)

    • Get the keys to the property

    • Enjoy living in your new home!

    Check out our dedicated Move Planner and guides for more information on moving. 

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    Have we missed anything from our buyer checklist? Let us know in the comments, below?

    Tags: Buying
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