Step by Step Guides Buying

Looking to get on the property ladder? Broaden your portfolio? This guide covers all the aspects involved in a property purchase, helping you whether you’re a first-time buyer or have some experience in the property market.

Sections:

1. Where to begin
2. Property Hunt
3. Viewing
4. Conveyancing
5. Offer and Application
6. Survey
7. Mortgage Agreed
8. Searches
9. Exchange
10. Insurance
11. Complete
12. Moving

3. Viewing

It's often helpful to take notes and, if possible, pictures or even video of the houses you like most. These notes will help you compare the different properties you've visited.

What should you look for when viewing a house?

• Take a thorough look at the condition of the house, what the seller will leave (fittings / fixtures) and what you'll need if you decide to buy it.
• Plan for your appliances and furnishings. Check nearby power sources and the dimensions and position of the rooms and think about where your furniture will go.
• Check the roof for insulation. Go to the loft and turn the lights out. If you see daylight, you need insulation work doing.
• How does the central heating work? Is it energy efficient? Ask for the latest winter heating bill so you're aware of this.
• What about the pipes? Are they lagged? If the piping is too old or made of lead, it will need replacing.
• Is the electrical system old or new? If it's too old it might need rewiring.
• Check for cracks in the walls, ceilings, under the stairs and the roof. Also check that the doors close properly and won't need fixing.
• Be wary of damp. Touch any dubious surfaces and let your nose be the guide. Look for flaking paintwork or wallpaper.
• A rotting window frame - soft to the touch - is a sign that the place has condensation problems.
• Holes in woodwork may mean the house has woodworm.
• Any nearby big trees' roots could be causing damage to the foundations of the house.

Regardless of how much attention you put into viewing, you'll still need a professional survey for the house once you decide to buy it.

return to mortgage guides | next page

• Secured homeowner loans from Picture

  Borrow between £10,000 and £100,000 from a lender who understands you. Competitive rates, simple online application.

  http://www.pictureit.co.uk

• Secured homeowner loans from Picture

  Borrow between £10,000 and £100,000 from a lender who understands you. Competitive rates, simple online application.

  http://www.pictureit.co.uk

• Secured homeowner loans from Picture

  Borrow between £10,000 and £100,000 from a lender who understands you. Competitive rates, simple online application.

  http://www.pictureit.co.uk