Buying a Home in England, Step by Step

Buying a home in England works differently from many countries: the purchase runs through both sides’ solicitors and nothing is binding until contracts are exchanged. Below we explain the process step by step, as if to someone with no prior knowledge. This page covers England; the rules in Scotland are different.

The essentials

Open to foreign buyers

There is no restriction on foreigners buying a home in England.

Solicitor protection

An authorised solicitor or conveyancer carries out the legal checks and the transfer.

Not binding until exchange

An accepted offer does not bind either side until contracts are exchanged.

Tax known up front

Stamp Duty can be calculated before you buy; extra rates apply to many international buyers.

The Process in 9 Steps

Free consultation

Online / in person

We discuss your budget, city, goals and finance, and work out the total cost together.

Choosing the home or project

Online / in England

We present suitable homes and projects and arrange online or in-person viewings.

Offer and acceptance

Seller / developer

An offer is made to the seller. Even once accepted, there is no binding contract at this stage.

Instructing a solicitor and checks

Solicitor handles

You instruct an authorised solicitor or conveyancer. Under anti-money-laundering rules your identity and source of funds are documented.

Searches and contract review

Solicitor handles

The solicitor reviews the title, local-authority searches and the draft contract, and for leasehold property the lease too. You can also commission an independent survey.

Finance

Lender / mortgage adviser

If you are borrowing, the mortgage offer needs to be in place at this stage.

Exchange of contracts

Solicitor handles

Contracts are exchanged and the purchase becomes binding. A deposit is usually paid now and the completion date is fixed.

Completion and keys

Solicitor handles

The balance is paid through the solicitor and the keys are released. The home is now yours.

Stamp Duty and registration

Solicitor handles

The Stamp Duty return and payment are due within 14 days of completion. Your ownership is then registered with HM Land Registry.

Cost Items

Beyond the purchase price there are some taxes and service costs. We work out the exact figures with you, based on the home you choose.

Stamp Duty (SDLT)Tiered by price; extra rates for additional homes and non-UK residents

Solicitor / conveyancer feesVary by firm and scope of work

Searches and registrationSearch fees and HM Land Registry fees

Running costsCouncil tax; for leasehold, the service charge and any ground rent

Common Terms

Freehold

Outright ownership of the building and land, with no time limit. Common for houses.

Leasehold

Ownership for a fixed term; flats are usually sold leasehold. The remaining term, service charge and ground rent matter.

Solicitor / Conveyancer

The authorised lawyer who checks the property and handles the transfer.

Exchange & Completion

Exchange is when the purchase becomes binding; completion is the day the money is paid and the keys are released.

Not sure where to start?

Let’s take the first step together. In a free consultation we assess your situation and clearly explain the right path and the costs.

Free Consultation

We'll get back to you as soon as possible.