Finding a home - First time buyer

How to buy a house: the house buying process

11 min read

If you’re wondering how to buy a house in the UK, how long the buying process takes, or what to expect from each stage, My Home Move Conveyancing’s expert guide will help you move forward with confidence.

  • Charlotte Lockton Deputy Conveyancing Manager at My Home Move Conveyancing
    Charlotte Lockton

    Deputy Conveyancing Manager

    Updated on

    Published

happy couple moving into their new home

Key takeaways when buying a house

Prefer to watch instead of read? Jump to our short video explaining the house-buying process.

What are the steps to buying a house?

Buying a house is one of the biggest financial commitments you’ll ever make — and if you’re new to it, the process can seem overwhelming. Whether you’re a first-time buyer or moving home, understanding the steps to buying a house in the UK will help you plan ahead and avoid delays.

In this complete guide, we break down the process of buying a house step by step — from saving your deposit and getting a mortgage agreement in principle, to exchange and completion. You’ll learn what each stage entails, how long each stage takes, and what happens after your offer is accepted.

Watch: The process of buying a house video

Prefer to watch instead of reading? Our short video explains what happens after your offer is accepted and the key milestones on your journey to owning your new home.

Watch our video to find out more on the process of buying a house

Duration: 2 minutes 24 seconds

What is the process of buying a house?

The process of buying a house in the UK involves several key stages, including getting a mortgage in principle, searching for a property, getting a home survey, other conveyancing and legal checks, and an exchange of contracts. Below we outline each step - from preparing your finances and making an offer, to conveyancing, exchange and completion.

Infographic showing 10 steps to buying a house in the UK, from finances to completion

Step 1: Prepare your finances and get a Mortgage Agreement in Principle (AIP)

Before searching for properties, you should get your finances in order. Calculate how much you can afford, save your deposit (usually 5–20%), and check your credit score. Don’t forget to include extra costs like surveys, conveyancing fees, and stamp duty in your budget.

Once you’re confident in your budget, secure a Mortgage Agreement in Principle (AIP). It estimates how much you could borrow and helps estate agents and sellers see you’re a serious buyer.

Step 2: Find your home and make an offer

With your budget set, start viewing homes online, through estate agents, or at open houses. Once you find ‘the one’, make an offer through the estate agent. It's wise to move quickly when you’re ready to offer as popular properties often sell fast.

See our guide on making an offer for more information on this stage, including tips on getting your offer accepted.

Step 3: Instruct a conveyancer

Once your offer is accepted, it’s time to appoint a conveyancer. They’ll manage the legal process of conveyancing - from searches and contracts to transferring funds and registering ownership. At My Home Move Conveyancing, we'll match you with a conveyancer who'll provide expert guidance to ensure a smooth and stress-free transaction - use our easy online calculator to get an instant quote.

Find out more about what conveyancing is and how long conveyancing takes.

Step 4: Arrange a survey

Your mortgage lender will perform a desk-based survey, known as a valuation survey, to establish the property’s value. However, you may also want to get a home buyer’s survey to check the overall condition of the property. Home surveys can identify hidden issues like damp or structural problems before you’re legally committed to buy. Finding out any issues with a survey before you have exchanged contracts can give you the chance to renegotiate the property price or pull out of the purchase before it is legally binding.

Book your survey.

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.

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.

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

In order to exchange contracts, you and the seller must both have signed the contract, agreed a completion date, and you must have transferred your deposit (usually 10%) to your conveyancer. Once these have been completed, you can give your conveyancer the go-ahead to exchange. When contracts are exchanged, the sale becomes legally binding.

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!

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.

How long is the process of buying a house?

Generally speaking, once your offer is accepted on a property, the process of buying a house takes around 14-22 weeks. The time it takes is affected by multiple factors and so it’s not the same for every purchase. The overall time taken to buy a house, from start to finish (from instruction to completion), is on average 130 days.

If you’re buying a property without a chain, that is freehold and everyone is working towards a fast move and you've managed to secure your mortgage offer, the buying process could take as little as eight weeks. However, it can take up to 24 weeks if there are factors such as a long chain or it’s a leasehold property. In some circumstances, it can take upwards of 24 weeks if, for example, probate needs to be granted. Your conveyancer will be able to give you realistic timescales for your purchase.

Explore our guide on how long conveyancing takes for more details on the timelines of this process.

Typical timeline for each stage of buying a house:

picturesque family home on the market
  • Mortgage agreement in principle: 1-2 days

    This is usually completed relatively quickly, taking around 24–48 hours.

  • Property search: 4-12 weeks

    Finding a home can take a few weeks to several months, depending on the market and your preferences.

  • Offer and negotiations: 1-2 weeks

    This will vary from purchase to purchase, based on the offer given and the price desired by the seller.

family of 3 lying on the floor of their new home. the dad is lifting the daughter up into the air and everyone is smiling
  • Conveyancing and legal checks: 12-20 weeks

    How long the conveyancing process takes depends on factors like property type and chain length.

  • Searches and surveys: 2-8 weeks

    You can usually expect surveys to be completed within 1–2 weeks, while searches may take up to 8 weeks, depending on the local authority’s turnaround time.

  • Finalise your mortgage: 2-6 weeks

    This can take up to 6 weeks, depending on your lender and financial circumstances.

  • Completion: 1-2 weeks after exchanging contracts

    This is the final step, after which you can enjoy your new home!

Buying a house FAQs

Whether you’re wondering about deposits, mortgage approvals or completion dates, here are the most common questions people ask about the process of buying a house in the UK.

  • To buy a house in the UK, you’ll first need to prepare your finances by saving a deposit and securing a Mortgage Agreement in Principle. Next, find a property and make an offer. Once your offer is accepted, instruct a conveyancer to handle the legal work, arrange a home survey, and let your conveyancer carry out searches and enquiries. When your mortgage offer is issued, you’ll pay your deposit, agree a completion date, and exchange contracts. On completion day, the remaining funds are transferred, you receive your keys, and ownership is registered with the Land Registry.

Why choose My Home Move Conveyancing

No Move No Legal Fee guarantee

Unlike many high street solicitors, if the transaction falls through, through no fault of your own, you won’t have to pay us any legal fees. Also, if you have already paid for searches, we will honour searches free of charge on an alternate property.

Property Specialists

The conveyancers we work with are all specialists in this field – this is all that they do, so they are better placed to help you with specialist knowledge and without any other distractions.

Online document submission

All the conveyancers we work with are based online, so you'll never need to visit your conveyancers offices. You can manage your move online through our eWay portal, meaning a lot less paperwork and delays.

Are you buying in Scotland?

The Scottish legal system and house buying process is quite different to England. If you are buying in Scotland read our article for detailed information on the process.

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