What To Do Before You Buy

About this guide

Before you begin the process of buying a house, there are vital steps you need to take to avoid any problems. You should take the time to make sure you are ready to purchase a house, from applying for a mortgage to learning the full cost of buying a house.

Whether you’re a first-time buyer or an experienced homeowner, the process can still be daunting. Compare My Move work hard to share everything you need to prepare to buy a house.

  • 1. Choosing an area to live in

    Choosing where to live will depend on where you are in life, what you are looking for in a home and where you see yourself in the next few years. Ideally, you want somewhere you can grow into, rather than one you will quickly outgrow.

    The area you choose may be dictated by the fact that you have or are planning to have children. Employment opportunities, crime rates and public transport links are other deciding factors. It is elements like these that need to be taken into consideration when choosing an area to buy a home.

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  • 2. Shall I buy a new build or old house?

    There are pros and cons for both new build homes and old house so Compare My Move's experts have compiled a list of some of the advantages and disadvantages of both to help you decide exactly what you want. From the importance of hiring a chartered surveyor to issues you need to look out for in both kinds of property, we hope this guide will help make the choice easier for you when considering these.

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  • 3. Questions to ask when viewing a house

    To get the most out of a house or flat viewing you should prepare a list of questions you need answering. To help you prepare, we've broken down our useful list into easy-to-follow sections for you to use when at a house viewing. From checking the quality of the roof to discussing what to look for in each room, this article will ensure you're fully informed before attending your next viewing.

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  • 4. A guide to buying a new-build

    Buying a new build property can be appealing to prospective buyers due to the lack of a property chain and the option of personalising it as it’s being built. However, there are still issues that come with new build homes and so it’s important to ask the appropriate questions and do your research before committing to the sale.

    Compare My Move work with a range of property and removal experts to create helpful and accurate articles to help you through the moving process. In this guide, we’ll explain the process of buying a new-build house and list the various advantages and disadvantages that must be factored in before starting the transaction.

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  • 5. The cost of buying a house

    The average cost of buying a house in the UK is £25,569, based on buying a 3-bedroom property at the current UK average house price of £237,834. This overall cost can vary depending on the location and size of the house, what type of survey you have on the property and who your mortgage lender is.

    Whilst these are the main upfront costs of buying a house, there will be on-going costs involved, too. From property maintenance to utility bills, you will need to budget for it all.

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  • 6. Time it takes to buy a house

    It takes between 12 weeks and 6 months to buy a house. There are factors that could delay this, so every buyer will experience a different timescale. If you’re not part of a property chain, the process will likely avoid any delays with other transactions.

    You will have to factor in the timescales for applying for a mortgage, conveyancing process and getting a property survey.

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  • 7. Freehold vs leasehold

    Freehold is the absolute ownership of a property and the land it was built on. Although the process of buying a house is never truly simple, the idea of freehold is straightforward: you are the owner of the property and land in perpetuity and are responsible for its maintenance.

    Leasehold is when a tenant temporarily owns a property, leasing the home from the landlord or freeholder. Flats are the most common example of a leasehold property, as you can imagine an array of leased flats under the overall freeholder of the building.

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