1. Money and costs
- ✔ Deposit saved (and where it’s coming from is clear).
- ✔ Rough budget agreed – including a limit you will not go over.
- ✔ Decision in principle (AIP) from a lender or broker.
- ✔ Stamp duty checked for your price, location and buyer status.
- ✔ Ball-park figures for solicitor, survey and moving costs.
2. Before and during viewings
- ✔ Check how long the property has been on the market and why the seller is moving.
- ✔ Look for obvious issues – damp, mould, large cracks, wonky floors or strong smells.
- ✔ Ask how old the boiler, roof and windows are and if they’ve been serviced.
- ✔ Visit at different times of day if you can (traffic, noise, parking, light).
- ✔ Test taps, lights, windows and doors where appropriate.
3. The legal side
- ✔ Choose a conveyancer or solicitor and get a quote in writing.
- ✔ Understand freehold vs leasehold and the basic terms (years left, ground rent, service charges).
- ✔ Be clear on what is included in the sale (fixtures, white goods, sheds, etc.).
- ✔ Read key documents your solicitor sends and ask questions if anything is unclear.
4. Surveys and checks
- ✔ Decide what level of survey you want (valuation, homebuyer report, full structural).
- ✔ Check the surveyor’s comments on damp, movement, roofs and electrics.
- ✔ Factor recommended repairs into your budget and any price negotiations.
5. Before you exchange contracts
- ✔ Buildings insurance lined up for the exchange date (often required by the lender).
- ✔ Final mortgage offer in place and checked for correct details.
- ✔ You understand the key dates – exchange, completion and when you get the keys.
6. Moving day basics
- ✔ Meter readings recorded and sent to energy suppliers.
- ✔ Redirected post or updated addresses for banks and important accounts.
- ✔ Basic safety check – doors, windows, locks, smoke alarms and carbon monoxide alarms.
This checklist is only a general guide and isn’t legal or financial advice. Your situation may be different – always ask your solicitor or adviser if you’re unsure.