Buying a home is a major milestone – and if your offer has just been accepted, congratulations! But while it’s a big step forward, the journey isn’t over yet. From conveyancing to surveys, several important steps still lie ahead before you get the keys in hand. Whether you’re a first-time buyer or a seasoned mover, here’s a clear breakdown of what happens after you make an offer on a house in the UK.
1. Offer accepted – now what?
Once the seller has accepted your offer, the property is usually marked as “sold subject to contract” (SSTC). At this point, there’s no legal commitment yet, but both parties agree to proceed. It’s a good idea to inform your mortgage broker or lender immediately and begin the formal mortgage application process.
2. Instruct a solicitor or conveyancer
Next, you’ll need to appoint a solicitor or conveyancer to handle the legal side of the transaction. They’ll manage everything from drafting the contract to conducting property searches and checking for any legal issues like boundary disputes or planning restrictions.
3. Apply for your mortgage
If you had a mortgage in principle, now’s the time to convert that into a full application. Your lender will carry out a valuation to ensure the property is worth what you’re paying. If all checks out, they’ll issue a formal mortgage offer – usually within a few weeks.
4. Schedule a property survey
A property survey is optional but strongly advised. A basic valuation is for the lender’s benefit, not yours. Instead, book a HomeBuyer Report or Building Survey (for older or non-standard homes) to identify any hidden issues like damp, structural movement, or electrical problems. This gives you peace of mind – and negotiating power, if repairs are needed.
5. Conduct legal checks and property searches
Your solicitor will run several searches with the local authority, including environmental, drainage, and planning checks. These searches are essential to uncover anything that might affect your decision to go ahead – like flood risks or planned nearby developments.
6. Finalise the contract
Once all searches are complete and both parties are happy, your solicitor will draw up the contract. You’ll review it together and agree a completion date. At this point, you’ll also transfer your deposit (usually 5–10% of the purchase price) to your solicitor.
7. Exchange contracts
This is the legal point of no return. Both you and the seller sign identical contracts, which are then exchanged. You’re now legally committed to the purchase, and pulling out would mean losing your deposit. Buildings insurance must also be in place from this stage onwards.
8. Completion day
On the agreed completion date, your solicitor will transfer the remaining funds to the seller’s solicitor. Once confirmed, you’ll get the keys to your new home! You can now officially move in.
9. Register ownership with HM Land Registry
Your solicitor will register the property in your name with HM Land Registry and ensure the Stamp Duty Land Tax (if applicable) is paid. You’ll receive confirmation a few weeks later.
10. Notify utilities and update your address
Don’t forget to contact utility providers (gas, electric, water), update your council tax and TV licence, and redirect post. It’s also wise to book a locksmith to change the locks once you move in – just for extra peace of mind.
Need help navigating your home move in Evesham?
If you’re buying or selling in the area, working with trusted Evesham estate agents makes a huge difference. At Belvoir, we understand the local market and offer expert advice to guide you through every step of the process.
From accurate home valuation in Evesham to tailored support for property investment in Evesham, we’re here to help buyers, sellers, landlords and tenants achieve their property goals with confidence.
