Know what happens next.

Plain-English guidance for first-time buyers, from making an offer to picking up the keys.

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Latest guidance

Start with the question closest to where you are today.

conveyancing

The flat is only half the decision. Check the lease term, building finances, major works, ground rent and rules before you exchange.

surveys

Your lender's valuation is not a condition report. Compare RICS survey levels and know what to do when a report finds a problem.

conveyancing

The seller said yes. Now coordinate your mortgage, conveyancer and survey while protecting your money before exchange.

buying basics

The 25% bonus is valuable, but the £450,000 price cap, 12-month wait and withdrawal process can catch buyers out.

buying basics

The tax break depends on where you buy. Compare current SDLT relief with Scotland's LBTT and Wales's LTT rules before setting your budget.

buying basics

Deposit ready? Budget next for mortgage fees, legal work, tax, surveys, moving and repairs—with cash left for costs you cannot recover.

buying basics

A 5% deposit may open the door, but the right target depends on loan-to-value bands, buying costs and the cash buffer you keep back.

conveyancing

Upfront property information, digital sales packs and earlier commitment are planned. Here is what has changed—and what has not changed yet.

buying basics

Bank Rate is still 3.75%, but that is only one part of mortgage pricing. Learn how to compare deals and set a resilient buying budget.

buying basics

Prices are rising nationally but falling in some areas, while Bank Rate is on hold. Here is what the latest data really means for a first purchase.