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Home-buying process – steps to buying a new house or flat

Buying a home is a huge financial commitment and can be daunting – especially if you’re a first-time buyer. Use our timeline to find out more about the steps to buying a home, including the process, key stages and what fees to expect.

This timeline applies to England, Wales and Northern Ireland:

• Make appointment with mortgage adviser, to find out eligibility and borrowing limit
• Find suitable property.
• Arrange second viewing – preferably taking independent person with you, for another opinion.
• Make an offer
• Arrange a solicitor and surveyor
• Finalise the mortgage
• Exchange contracts
• Completion and final step

We are only a phone call away at any time.

Our initial consultation is always free, and comes without any obligation to proceed with SG Mortgage Solutions. If you wish to proceed, this firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity

Your property may be repossessed if you do not keep up repayments on your mortgage.