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We answer your questions about buying a house
Once you’ve found a home you love, you can expect the buying process to take around 5-6 months. This includes negotiating a price, accepting a mortgage offer, getting a survey, exchanging contracts and then completing. There are lots of factors that can impact how quickly you buy, including how big and complicated your chain is.
Before you buy a house, check local data on flood risk, planning permissions and development applications nearby (you can see all this on our listings). Get a detailed survey to understand the condition of the house, assess your finances to know what you can afford, and prepare your questions for the estate agent - from how old the boiler is to what council tax band the property's in.
Technically you can, but sellers are unlikely to accept your offer unless your own home is on the market or under offer if you're using your equity to buy. They usually want to know that you’re as far along the process of selling as possible. For this reason, it’s a good idea to put your home up for sale when you start searching for your next home.
Stamp duty is a tax you pay when you buy property or land over a certain price in England and Northern Ireland. First-time buyers pay stamp duty on properties costing more than £300k while everyone else pays it on properties more than £125k. The amount you pay works a bit like income tax - you pay different rates on different portions of the property price.
We use live feeds from estate agents to bring you new properties for sale every day. As soon as a property hits the market, you’ll see it on Zoopla - plus we’ll ping you an email if you've got them turned on (you can do this in your account).
There are a few buying costs that not everyone knows about, alongside the more obvious costs of conveyancing, estate agent fees and removals. You’ll need to pay for a survey on the house you’re buying and you usually need buildings insurance for your new home before you can complete the purchase. You may need to pay an arrangement fee if you use a mortgage broker, and your first mortgage payment might be higher than the usual monthly rate as lenders add interest from when the funds were released.