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How to buy a home

The buying sequence end to end — finance, search on 21 Property Finder, legal checks, and the taxes and VAT to budget for.

🏠 Property & moving
21 How-to · illustrated guide

Start here — the basics Work out your real budget and get a mortgage agreed in principle first. Search and shortlist on [[link:finder|21 Property Finder]]; watch the property [[link:finder_videos|video tours]]. View, then make an offer; appoint a lawyer and (for resales) a surveyor. Budget for the taxes and fees on top of the price — check the [[link:vat_calc|VAT calculator]]. Sign the contract, pay the deposit, then complete and register the title. Buying a home is a sequence of clear stages. The two mistakes that cost people most are under-budgeting for the taxes and fees on top of the price, and skipping the legal and survey checks. Do it in order and it is very manageable. Step by step Set your budget and arrange mortgage finance in principle, so you know exactly what you can offer and can move quickly. Search and shortlist. Browse listings and video tours on [[link:finder|21 Propert…

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