Answer

What documents do I need for buying a house?

Buying a house is incredibly exciting - whether you’re a first-time buyer, buying to let or selling your home to move somewhere new.

While buying a house can be a long process, getting all of your paperwork in order early can definitely help speed up the process.

The first things your solicitor will need are proof of your identity - such as a birth certificate, passport or driver's licence - along with proof of address (like a recent bill or bank statement). 

They’ll also need to see:

• Proof of funds: Bank statements to show that you have the money for a deposit.
• Your mortgage offer: An official document from your mortgage lender stating the terms of the mortgage, how much they’ll lend and how much you’ll repay each month.

If you’re a first-time buyer

If you’re buying your first house, the conveyancing process is usually a lot easier as you won’t have to manage selling your home at the same time.

However, it also means there's a high chance you’ll either be last in a conveyancing chain or, if you’re purchasing a new build, you may have to wait until the development is finished before you can get your keys.

In addition to your solicitor or conveyancer’s fees, you’ll also need to think about:

• Survey costs
• Land Registry fees
• Search fees
• Buildings insurance (which is compulsory with most lenders)

As a first-time buyer, you’re exempt from paying Stamp Duty (provided your first property is valued at less than £425,000). 

If you’re selling your current home

If you’re selling your home to fund your move, your solicitor will also need:

• Proof of ownership - Property Title Deeds
• Seller’s Property Information Form
• Any certificates, guarantees or planning permission documents (if you’ve had work done on the property or have already started the planning process to do so)
• Details of everything included in the purchase - Fitting and Contents Form 
• Energy Performance Certificate
• Leasehold or shared freehold information
• Mortgage details

GloverPriest: Your Expert Property Lawyers

Buying a house can seem intimidating for a first-time buyer, and sometimes even for a seasoned seller. 

GloverPriest, your specialists in residential sale and purchase conveyancing, are here to guide you through every step of the process.

Contact our expert Conveyancing Solicitors.