Step 5: Perform conveyancing searches
Your conveyancer will arrange conveyancing searches to check for external factors that could impact the house or the land it sits on. Searches can include local authority, land registry, environmental, and drainage searches. They’re an important part of the process as they can flag potential issues, such as planning restrictions, flood risk, ground stability and local development plans.
How long it takes: Typically, 2-8 weeks, depending on the local authority’s turnaround time.
Step 6: Finalise your mortgage
Once your survey and searches are complete, your lender will issue a formal mortgage offer. Review the details carefully before signing as this is a major financial commitment.
How long it takes: 2–6 weeks on average, depending on your lender and financial circumstances.
Learn more about getting a mortgage.
Step 7: Pay the deposit
Transfer your deposit to your conveyancer in time for the exchange of contracts. You may also need to pay any conveyancing fees and prepare for Stamp Duty Land Tax if applicable.
Use our stamp duty calculator to estimate your tax.
Step 8: Agree moving dates
Your conveyancer will discuss provisional moving dates with your seller’s solicitor and the rest of the chain. It’s also a good time to get removal quotes and start preparing for moving day.
Download our moving house checklist to help get ready ahead of moving day.
Step 9: Exchange contracts
When contracts are exchanged, the sale becomes legally binding. Both you and the seller sign identical contracts and agree a completion date.
Find out more about the exchange of contracts process.
Step 10: Complete your purchase
Completion is the final step in the process of buying a house. Funds are transferred to the seller’s solicitor, and ownership officially passes to you. You can collect your keys and move into your new home!
How long it takes: Usually 1–2 weeks after the exchange of contracts.
Find out more about what happens on completion day.
Following completion of your new house purchase, your conveyancer will register you as the new owner with the Land Registry, provide you with copies of your title deeds, and pay any stamp duty owed.
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