Independent Mortgage Specialist - St. James Associates Mortgage Solutions - UK
Independent Mortgage Specialist - St. James Associates Mortgage Solutions - UK

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First Time Buyers' Guide to the Home Buying Process

The house buying process can be quite daunting for anyone, but if you haven't bought a house before, it can be especially confusing. You may have questions like, "Where do I start?" "I have seen the house I want, so what happens now?" or "do I have to arrange a valuer?"; "When do I have to get a solicitor?" and so on. This guide is designed to help you understand what happens and when so you can see the smooth process from finding your new home to moving in.

There are many stages to the process. Click on each step to find out more about it.

Completion of sale Exchange contracts Consult solicitor Valuation Choosing a mortgage Making an offer Finding your property Choosing a property How much can I borrow? Flow diagram showing the home buying process for first time buyers


1. How much can I borrow?
2. Choosing a property
3. Finding your property
4. Making an offer
5. Choosing a mortgage
6. Valuation
7. Consult solicitor
8. Exchange contracts
9. Completion of sale
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