The home buying guide

Most of us don't regularly buy a new home, so it's no wonder the home-buying process can seem a little confusing at times. However, it's not as complicated as it can seem. We've laid out the steps below to help.

Buying for yourself

The following information is about the home-buying process in England. Looking to buy a home in Scotland? How buying works in Scotland


Get your finances in order

The very first step for buying a new home is to check how much you can borrow, see how much your deposit will need to be and get a mortgage agreed in principle. This doesn’t tie you into anything – you can always choose a different provider later.


Find your dream home

Now for the exciting bit – choosing a home. You can search our homes by location, development or nearby school.

Start your search now

Save your searches and properties

Setting up an account will make finding the right home much easier.

  • Be the first to hear about new homes as they're released
  • Save your property shortlist and home searches
  • Store your results from our handy home-buying tools


Find a solicitor

A solicitor takes care of all the legal aspects of the home-buying process. Remember to shop around for the best rate and make sure you find one that specialises in conveyancing (preparing the property transfer documents).

Call our sales team now on 0844 225 3944 Phone lines open 8am to 9pm, 7 days a week.


Reserve your home

Now you've got your finances in order and found a solicitor, it's time to reserve your dream home. Once your home is reserved, no one else will be able to reserve it.


Arrange your mortgage

There are plenty of options to consider when it comes to a mortgage. Once you’ve done your research (or spoken to a mortgage adviser – we can put you in touch if you like) you can select the option that’s best for you.


Get a valuation and survey

Your mortgage lender will want confirmation the home is worth what you’re paying for it. They’ll organise the valuation for you – this will involve a fee. The survey checks the condition of your new home.

Legal work

Complete legal work

Your solicitor will look after this for you. It’s all about formally transferring ownership from us to you (known as conveyancing), and checking there are no legal obstacles in the way, like local plans that may effect the value of the property.

Exchange contracts

Exchange contracts

Once the legal work is complete, your solicitor will exchange contracts with us. This is when you pay your deposit and commit to the deal taking place.

We’ll then invite you to your New Home Tour, where we’ll take you round your new home and show you where things are and how everything works.

Move in

Complete and move in

On the date of completion, you become the legal owner of your new home.

The full cost of the property is transferred from your mortgage lender to the seller. You can now organise your move.

We'll then invite you to your New Home Tour, where we'll take you round your new home and show you where things are and how everything works.

Then the keys are yours and you can move in!

Find out how else we help you through the process of buying a home in our Customer Service Charter.



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