Once your finances are in order, use portals like Rightmove or Zoopla to scout locations.

Budget for "extra" expenses, including Stamp Duty (tax on property purchases), solicitor fees, survey costs, and removal van hire. 2. The Property Search

Get a document from a lender stating how much they are willing to lend you. This shows sellers you are a serious buyer.

You and the seller sign the contracts, and your deposit is transferred. At this point, pulling out results in heavy financial penalties.

Your solicitor will check for upcoming planning permissions nearby or flood risks.

Before browsing listings, you need to know what you can actually afford.

In the UK, Freehold means you own the building and the land. Leasehold means you own the right to live there for a set term (often 99 or 999 years) but pay ground rent or service charges to a freeholder.

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