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## Before you start Check your credit report and fix any errors Work out how much you can borrow and how much you are comfortable paying monthly Save the deposit and a reserve for fees and moving costs Get a mortgage pre-approval or agreement in principle List your must-haves and nice-to-haves Choose the areas you want to search in ## Searching and viewing Set up alerts on property portals and with local agents Visit each property at different times of day Check the neighbourhood: noise, parking, transport, shops, schools Look for damp, cracks, old wiring, plumbing and roof condition Ask why the owner is selling and how long it has been on the market Compare the asking price with recent sales nearby ## Making an offer Decide your maximum price before negotiating Make the offer in writing through the agent Confirm what is included in the sale: fixtures, appliances, furniture Agree on timelines and any conditions Ask about the seller's chain or plans so you know the risks ## Checks and legal work Hire a solicitor, notary or conveyancer Order a survey or building inspection Review the title, boundaries and any easements Check for planning permissions and any restrictions For apartments, read the building rules, service charges and recent meeting minutes Check energy performance and running costs Verify there are no outstanding debts or claims on the property ## Financing Compare mortgage offers on rate, fees and flexibility Submit the full mortgage application with all documents Arrange buildings insurance, effective from exchange or purchase Budget for taxes, legal fees and registration costs ## Closing Review the final contract with your legal adviser Do a final walk-through of the property Transfer funds for the deposit and completion Sign the contract and any transfer documents Collect the keys and take meter readings Keep all documents in one place ## After you move in Change the locks Set up utilities, internet and waste collection Register your new address with banks, employer and authorities Locate the water shutoff, fuse box and gas shutoff Test smoke and carbon monoxide detectors
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