How long does buying a house take in the UK?

On average, 12–16 weeks from offer accepted to completion, according to The HomeOwners Alliance. It can be faster if there’s no chain, or slower if complications arise.

Do I need a solicitor or a conveyancer?

Conveyancers and solicitors both handle the legal side of transferring property ownership. The key distinction is scope. Conveyancers specialise exclusively in property law, while solicitors have broader legal training that covers multiple areas. Both are fully qualified to manage your transaction, and lenders will accept either when you're taking out a mortgage.

What’s the minimum deposit to buy a house?

5% is the minimum most lenders accept, though 10–15% will unlock better rates and a wider choice of deals. Keep in mind that minimum deposit requirements can shift with the Bank of England base rate and broader economic conditions, so it's worth checking what's current when you're ready to apply.

Can I buy a house without a survey?

Technically yes, but it’s risky. A survey can uncover hidden problems that could cost far more than the survey fee.

How to buy a house in 8 simple steps

Whether you’re buying for the first time or just the first time in a while, this guide walks you through exactly what happens, when it happens, and what you need to do.

Last updated 13 Mar 2026

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Key takeaways

A bigger deposit can unlock access to a wider range of mortgage deals and potentially lower interest rates

Get a Mortgage in Principle early, estate agents take you more seriously and it sets a clear budget

A survey can uncover hidden problems and give you grounds to renegotiate the price

Your conveyancer handles searches, title deeds, and legal checks on your behalf

Nothing is legally binding until exchange of contracts, so expect things to shift along the way

How to buy a house

Buying a house should feel exciting, not overwhelming.

Yet, between jargon-heavy paperwork and shifting timelines, it’s no wonder people find it stressful. But when you see the whole journey laid out in front of you, step by step, it suddenly feels a lot more doable.

Whether you’re buying for the first time or just the first time in a while, this guide walks you through exactly what happens, when it happens, and what you need to do. No waffle. No unnecessary detours. Just eight clear steps from “I want to buy a house” to “Yay, I’m moving in.”

Step 1: Get your finances house-ready

Before you fall in love with a Victorian terrace on Rightmove, take a good look at your finances. You need to know two things: how much deposit you’ve got (or can save), and roughly how much a lender might offer you.

Most lenders want a deposit of at least 5–10% of the property price1. A bigger deposit unlocks better mortgage rates, so if you can stretch to 15% or more, your monthly repayments will thank you. Check your credit score with Experian or Equifax, pay down existing debts where you can, and try to keep your income steady; lenders love consistency.

Eden tip: If you’re a first-time buyer, look into a Lifetime ISA. The government adds a 25% bonus on savings up to £4,000 a year2, that’s free money towards your deposit.

How to buy a house in 8 simple steps

Whether you’re buying for the first time or just the first time in a while, this guide walks you through exactly what happens, when it happens, and what you need to do.

How to buy a house

Step 1: Get your finances house-ready

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