The steps
- Budget and funds — include Stamp Duty, legal fees, survey and moving costs. Get a mortgage agreement in principle or proof of funds.
- Choose a solicitor or licensed conveyancer — see our conveyancing guide.
- View properties — in person or by video.
- Make an offer through the agent. The agent must pass all offers to the seller. Expect ID and proof-of-funds checks (AML guide).
- Offer accepted — your solicitor starts the legal work: draft contract, searches, enquiries, and for leasehold the lease.
- Survey — it's wise to get an independent survey (for example from a RICS surveyor).
- Exchange of contracts — you usually pay a deposit and the deal becomes legally binding.
- Completion — the money is transferred, you get the keys, and your solicitor pays SDLT and registers you at HM Land Registry.
Freehold and leasehold
Houses are often freehold (you own the building and land). Flats are usually leasehold (you own the right to live there for a fixed number of years). With leasehold, check the years left on the lease, the ground rent and the service charge. GOV.UK explains leasehold property.
Official overview: GOV.UK – Buying or selling your home.
Common questions
Is an accepted offer legally binding in England?
No. In England and Wales either side can usually withdraw until contracts are exchanged. After exchange, both sides are legally committed.
How long does buying take?
It varies. Searches, mortgage approval and the chain (linked sales) all affect timing, so ask your solicitor for an estimate.
Sources checked 16 October 2026: GOV.UK pages linked above. Rules change — always confirm with your solicitor.