Guide to buying property

Your Guide to Buying a Home

So, you’ve decided to buy a new home—exciting times ahead! Whether you’re stepping onto the property ladder for the first time or moving from your current home, we’re here to help you every step of the way.

Step 1: Understand Your Starting Position

Already a Homeowner?
You’ll need to decide whether to sell your current property first or start searching for your next home. It’s the classic “chicken and egg” situation.
Selling first can give you clarity and confidence, but it’s tough to let go without knowing where you’re heading. On the other hand, finding your dream home before selling can be risky—especially if someone else beats you to it.

First-Time Buyer or Currently Renting?
Good news—you’re considered ‘chain free’, which gives you an advantage. If you’re renting, don’t hand in your notice just yet. Wait until your purchase is well underway to avoid any unnecessary stress.

Step 2: Get Your Finances in Order

Think carefully about your budget. How much can you spend? How much deposit do you have—or how much equity if you’re selling?

You'll also need a clear understanding of your borrowing power and the associated costs, such as solicitor fees, surveys, stamp duty, and moving expenses.

Need help?
Evolve Mortgage Advice can guide you through every financial detail. For a free consultation, contact Ellen Varney, our trusted mortgage advisor, on 07823 492003.

Step 3: Choose Your Location

Where you live matters—whether it’s proximity to work, schools, transport links, or simply the feel of the neighbourhood.
Often, buyers must choose between a larger home in a less expensive area or a smaller property in a more desirable location. Make a list of your priorities to help you decide.

Step 4: Find the Right Property

This is the exciting part—viewing potential homes and picturing your future there.

While it's easy to get swept up in the moment, stay practical. Keep a checklist of must-haves and watch out for deal-breakers. Ask lots of questions, and don’t forget to confirm whether the property is freehold or leasehold.

If you’re viewing with us, much of this information will be included in our property packs—but we’re always happy to answer anything else you need to know.

Step 5: Make an Offer

When you find the right home, it’s time to act.

Make sure you’re in the strongest possible position—financially prepared, with clear intent—and communicate that to the seller through us at Swakeleys Estates. Being open about your situation can help build trust and move things along more smoothly.

Always submit your offer through the estate agent. Avoid discussing financial details directly with the seller.

Step 6: Secure Your Mortgage

By now, your finances should be ready to go. If not, it’s not too late to speak with Evolve Mortgage Advice. Strong financial preparation ensures your offer remains solid and prevents last-minute disappointments.

Step 7: Appoint a Solicitor or Conveyancer

Once your offer is accepted, it’s time to choose a legal professional to manage the transaction.

You can opt for a local solicitor or an online service. Some offer fixed fees, others work on a no-sale, no-fee basis. Think about what suits your needs and budget best.

Step 8: Book a Survey

You’ll need a survey to assess the condition of the property. There are typically three levels to choose from:

• Basic mortgage valuation – usually required by lenders

• Homebuyer’s report – a mid-level check suitable for most properties

• Full structural survey – recommended for older or unusual properties

If your lender arranges the basic valuation, you can often pay to upgrade for greater peace of mind.

Buying a home is a big step, but with the right support and planning, it can be a smooth and exciting journey. If you have any questions along the way, Swakeleys Estates is here to help.