1.

Consult an independent financial advisor, to help you calculate how much you can afford to borrow.

10.

On the day of completion, arrange to pick up keys from the Estate Agent.

2.

Find a suitable property.

9.

Exchange contracts and set a completion date. Arrange removals and inform the ultilities.

8.

Sign contracts and pay your deposit to your solicitor.

3.

Negotiate a purchase price (through the Estate Agent).

4.

Contact your independent financial advisor again, to complete your mortgage application, organise the survey and any necessary life insurance.

7.

Arrange buildings and contents insurance.

5.

Instruct a solicitor (your Estate Agent can obtain quotations for you if you wish) to handle the conveyancing and pay the local search fee.

6.

Await the survey report and the mortgage offer.