There are several ways to sell your house in the UK.
There are four main ways to sell your house:
- You can sell with an estate agent
- You can sell via property auction
- Or you can sell directly to a house-buying company.
- Sell it privately yourself
Selling your home directly to a reputable, well-funded “cash house buying company” is the fastest way to sell your house. Most of these companies will make you a formal offer within 24 hours, and will be able to complete the purchase within as little as 2-3 weeks
We can help you with all of these, yes including selling your home yourself. Contact us for further information.
1. How do I start the process of buying a house?
The first step is to work out your budget and speak to a mortgage adviser or lender to get a mortgage agreement in principle. This helps you know what you can afford and shows sellers you’re serious.
2. Do I need a solicitor or conveyancer?
Yes. A solicitor or licensed conveyancer handles the legal side of buying a property, including searches, contracts, and liaising with the seller’s solicitor.
3. What is a mortgage in principle?
A mortgage in principle is a statement from a lender indicating how much they might lend you, based on a basic assessment. It helps when making offers.
4. How do I make an offer on a house?
Once you find a property you like, you make an offer through the estate agent. You can offer below, at, or above the asking price, depending on your circumstances and the market.
5. Do I need a survey?
While not mandatory, a property survey is highly recommended. It helps identify structural issues or problems that may affect the property’s value.
6. What are the additional costs involved in buying a property?
Common additional costs include:
Stamp Duty Land Tax (SDLT)
Solicitor/conveyancing fees
Survey fees
Mortgage fees
Removal/relocation costs
7. What is Stamp Duty and how much will I pay?
Stamp Duty is a tax on property purchases over a certain price. The rate depends on the property’s value and whether you’re a first-time buyer. You can check rates on the HMRC website.
8. How long does the buying process take?
On average, 8 to 12 weeks from offer to completion, but this can vary depending on the chain and legal checks.
9. What is ‘exchange’ and ‘completion’?
Exchange of contracts is when both parties sign and legally commit to the sale.
Completion is the day ownership transfers to you and you get the keys.
10. Can I withdraw after making an offer?
Yes, until exchange of contracts, the agreement is not legally binding, and either party can withdraw without penalty.
11. What is a property chain?
A chain involves multiple linked property transactions. If one sale or purchase in the chain falls through, it can delay or stop others.
12. Do I need buildings insurance?
Yes. You must have buildings insurance in place from the date of exchange, as you’re legally responsible for the property from that point.
13. Can foreign nationals buy property in the UK?
Yes, there are no restrictions on foreign nationals buying UK property, but obtaining a mortgage might be more complex.
✅ 1. Financial Preparation
Check your credit score
Set a realistic budget (consider monthly repayments, bills, and living costs)
Save for a deposit (usually 5–20% of the property price)
Budget for extra costs:
Solicitor fees
Survey costs
Stamp Duty (if applicable)
Mortgage fees
Moving costs
🏦 2. Mortgage & Legal Setup
Get a Mortgage Agreement in Principle (AIP)
Choose a solicitor or conveyancer
Explore government schemes (e.g. Lifetime ISA, Shared Ownership, First Homes)
🔍 3. House Hunting
Register with estate agents & property websites
Research areas and amenities
Attend viewings (check for damp, cracks, noise, parking, etc.)
Ask questions (leasehold/freehold, council tax band, etc.)
📄 4. Making an Offer
Make your offer through the estate agent
Negotiate if needed
Have your offer accepted in writing
🧾 5. Surveys & Checks
Instruct your solicitor/conveyancer
Arrange a property survey (Level 2 or 3 recommended)
Conduct legal searches (via solicitor)
Finalise your mortgage application
🖊️ 6. Exchange & Completion
Review and sign contracts
Pay the deposit (usually 10%)
Exchange contracts – sale is now legally binding
Set a completion date
Transfer remaining funds
Receive keys and move in!
🏠 7. After You Move In
Set up utilities and council tax
Change your address (banks, GP, DVLA, etc.)
Consider home insurance (if not already in place)
Plan and enjoy your new home!
Freehold
The freeholder of a property owns it outright, including the land it’s built on.
Leasehold
You only own a leasehold property for a fixed period of time. You’ll have a legal agreement with the landlord (sometimes known as the ‘freeholder’) called a ‘lease’. This tells you how many years you’ll own the property. Ownership of the property returns to the landlord when the lease comes to an end.
Shared Ownership
Allows you to buy a percentage of a property, paying a mortgage on the share you own and rent to a housing association on the remainder.
Common freehold
An alternative to leasehold ownership of flats, and other properties that share communal areas or services. Instead of owning property as a leasehold for a fixed period of time, with commonhold you own your property as a freehold indefinitely.
🏠 1. RICS Level 1 Survey (Condition Report)
Best for: New-builds or modern properties in good condition.
What it covers:
The property’s overall condition
Identifies urgent issues or risks
Clear traffic-light condition ratings (green, amber, red)
What it doesn’t include:
Valuation
Detailed advice or investigation
Repairs or maintenance suggestions
✅ Quick and budget-friendly, but quite basic.
🏚️ 2. RICS Level 2 Survey (HomeBuyer Report)
Best for: Conventional properties in reasonable condition.
What it covers:
All of Level 1 features
Issues that could affect the property’s value
Damp, subsidence, and other common defects
Advice on repairs and ongoing maintenance
Optional: market valuation and insurance rebuild cost
🔍 Most popular choice among buyers.
🏡 3. RICS Level 3 Survey (Building Survey / Full Structural Survey)
Best for: Older, larger, listed, or heavily altered properties – or if you’re planning major renovations.
What it covers:
A thorough inspection of the building’s structure and condition
Roofs, walls, floors, windows, drainage, and more
Hidden defects and potential future problems
Detailed advice on repairs, maintenance, and estimated costs
📋 Most comprehensive and detailed – ideal for peace of mind on complex purchases.
Yes, we are members of the Ombudsman scheme for estate agents for both sales and lettings. When you register to buy a property with Edward Hurn you can be confident that you are choosing an estate agent with the highest levels of customer service and professional standards.
No. We currently sell around 20% of our properties before they go to the open market, so it’s always best to register with us over the phone or via email, so that we can learn about your particular requirements and tell you about our latest properties before they hit the market. We also work closely with other leading estate agencies in central london and can often access off market property’s
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StreetCheck gets information from a variety of official government databases, including census information and Land Registry data. We then filter this data and extract the key statistics to help you with your house-hunting. Here at StreetCheck, we are constantly adding new information, and currently offer information on housing types, social grade, gender, marital status, health, employment data, and broadband availability, with more information being added daily. Click here for direct link
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- Reduce the risk of sales falling through from 33% to 3%
- A Law Society Licensed Service Provider
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