Buying Guide
Guide for Buyers
From mortgage to keys — your step-by-step journey to owning a property in London.
7
Steps
8–12
Weeks
10%
Typical Deposit
The Buying Process
Finance & Budget
If using a mortgage, obtain an Agreement in Principle from your lender. Cash buyers should prepare proof of funds. Either way, knowing your budget upfront shows sellers you are serious.
Property Search
We help you find properties that match your criteria across London. Our bilingual team arranges viewings at your convenience.
Make an Offer
We advise on the right price based on comparable sales and negotiate with the seller on your behalf.
Instruct Solicitors
Your solicitor handles property searches, contract review and ownership transfer. We can recommend trusted solicitors.
Survey and Searches
Mortgage buyers need a lender's valuation. Cash or mortgage, we always recommend a homebuyer or building survey. Your solicitor handles local authority searches and title checks.
Exchange of Contracts
Once everything is satisfactory, contracts are exchanged. You pay the deposit and the sale becomes legally binding.
Completion and Keys
Funds transfer, ownership passes to you, and we hand over the keys. Congratulations on your new property.
Before you buy
Good to Know
Stamp Duty Land Tax
First-time buyers pay no stamp duty on properties up to £300,000, with reduced rates up to £500,000. Additional properties attract a 5% surcharge.
Leasehold vs Freehold
Most London flats are leasehold. Check the remaining lease length, ground rent, and service charges before making an offer.
Chain-free Purchases
Chain-free purchases proceed more quickly and carry less risk of falling through. We prioritise these where possible.
